320 Mill Stone Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 320 Mill Stone Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,172 sqft · built 1987
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Mar 2006)
Tax Bill	$12,424 (2025)
Deeds & Mortgages	Sep 2014 Mortgage May 2007 Line of Credit + 3 more
APN	`0731004000110`

Property Details

APN / Parcel Number

Primary APN	`0731004000110`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,172 sqft Living Area
1st Floor Area	1,467 sqft
Upper Floors Area	1,662 sqft
Attic	Attic
Attic Area	440 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	733 ft deep x 178 ft wide
Garage Type	Detached
Garage Area	1,036 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	684 sqft
Porch	Open Porch
Porch Area	385 sqft
Deck Area	440 sqft
Patio Area	440 sqft
Shed	1 Shed
Shed Area	440 sqft
Utility Building	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 MILL STONE RD
City	CHESAPEAKE
State	VA
Zip	23322-4345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	11 WOODARDS MILL SEC 1
Legal Subdivision	WOODARDS MILL
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	2
Census Block	2005
Census Tract	21009

Owner

Source: Chesapeake City records, as of May 27, 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	320 MILL STONE RD, CHESAPEAKE, VA 23322-4345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2014	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO
May 17, 2007	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Jun 4, 2010	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Jul 5, 2006	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Mar 6, 2006	Warranty Deed, Transfer · Conventional Mortgage TOWNE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2006 · Amount on Record
Deed Sale	Mar 6, 2006 · Amount on Record
Deed Book / Page	6403 / 746
Record Updated	Sep 20, 2026

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	320 MILL STONE RD, CHESAPEAKE, VA 23322-4345
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009431/628
Date	Sep 17, 2014
Book Page	9431/628

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2044

Interest

Rate Type	Fixed Rate
Rate	4.25%

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	320 MILL STONE RD, CHESAPEAKE, VA 23322-4345
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007080/147
Date	May 17, 2007
Book Page	7080/147

Lender

Name	TOWNEBANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	320 MILL STONE RD, CHESAPEAKE, VA 23322-4345
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008128/381
Date	Jun 4, 2010
Book Page	8128/381

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2040

Interest

Rate Type	Fixed Rate

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	320 MILL STONE RD, CHESAPEAKE, VA 23322-4345
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006623/846
Date	Jul 5, 2006
Book Page	6623/846

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

March 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Mar 6, 2006
Property Address	320 MILL STONE RD, CHESAPEAKE, VA 23322-4345
Document Number	006403/746
Book / Page	6403 / 746
Instrument Date	Feb 16, 2006
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006403749
Date	Mar 6, 2006
Instrument	6403/749

Lender

Name	TOWNE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,424.00 (+40.7%)	$1,230,100 (+20.13%) Land $250,000 Building $980,100	$1,230,100 (+20.13%) Land $250,000 Building $980,100
2023		$1,024,000 (+5.73%) Land $210,000 Building $814,000	$1,024,000 (+5.73%) Land $210,000 Building $814,000
2022		$968,500 Land $195,000 Building $773,500	$968,500 Land $195,000 Building $773,500
2019	$8,830.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 40 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	3 (1982–2016)
Claims Outside the SFHA	3 of 3
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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