Chesapeake City property record for 313 Rio Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,933 sqft · built 1992 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Nov 2025) |
| Tax Bill | $4,594 (2025) |
| Deeds & Mortgages | Jan 2018 Reverse Mortgage Aug 2012 Mortgage + 2 more |
| APN | 0584001000120 |
| Primary APN | 0584001000120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,933 sqft Living Area |
| 1st Floor Area | 1,652 sqft |
| Attic | Attic |
| Attic Area | 468 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 142 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 468 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 313 RIO DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 12 LAS GAVIOTAS PH IV SEC THREE A |
| Legal Subdivision | LAS GAVIOTAS |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21016 |
Source: Chesapeake City records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 313 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 30, 2018 | Deed of Trust, Mortgage · Reverse Mortgage TIDEWATER MORTGAGE SERVICES INC |
| Aug 22, 2012 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO |
| May 3, 2007 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO |
| Nov 21, 2025 | Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Prior Sale | Jun 18, 2025 · Amount on Record |
| Deed Document Number | 202527335 |
| Deed Book / Page | 10918 / 1428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 313 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 09878/1869 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 9878/1869 |
| Instrument | 180002493 |
| Name | TIDEWATER MORTGAGE SERVICES INC |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.73% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2019 |
| Margin | 5 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 313 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008792/291 |
|---|---|
| Date | Aug 22, 2012 |
| Book Page | 8792/291 |
| Name | BRANCH BANKING & TRUST CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 313 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 007059/440 |
|---|---|
| Date | May 3, 2007 |
| Book Page | 7059/440 |
| Name | BRANCH BANKING & TRUST CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Nov 21, 2025 |
| Property Address | 313 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Document Number | 10918/1428 |
| Book / Page | 10918 / 1428 |
| Map Reference | MB 85 PG 28 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 250027335 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 313 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Document Number | 0250027336 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 250027336 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $477,100 (+4.88%) Land $225,000 Building $252,100 | $477,100 (+4.88%) Land $225,000 Building $252,100 | |
| 2025 | $4,594.00 (+44.15%) | $454,900 (+12.29%) Land $205,000 Building $249,900 | $454,900 (+12.29%) Land $205,000 Building $249,900 |
| 2023 | $405,100 (+13.98%) Land $165,000 Building $240,100 | $405,100 (+13.98%) Land $165,000 Building $240,100 | |
| 2022 | $355,400 Land $145,000 Building $210,400 | $355,400 Land $145,000 Building $210,400 | |
| 2019 | $3,187.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 109 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 109 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people · EPA ID VA3550051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
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