320 Spurlane Cir, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 320 Spurlane Cir, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,360 sqft · built 1992
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,548 (2025)
Deeds & Mortgages	Feb 2026 Mortgage
APN	`0607003000720`

Property Details

APN / Parcel Number

Primary APN	`0607003000720`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
1st Floor Area	945 sqft
Upper Floors Area	945 sqft
Attic	Attic
Attic Area	176 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	441 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 SPURLANE CIR
City	CHESAPEAKE
State	VA
Zip	23322-5465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12AS: RES
Legal Description	72 HERITAGE POINT PHASE II
Legal Subdivision	CHESHIRE MDWS,COUNTRY RDS,HERITAGE PT,BR
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3002
Census Tract	21004

Owner

Source: Chesapeake City records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	320 SPURLANE CIR, CHESAPEAKE, VA 23322-5465
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	320 SPURLANE CIR, CHESAPEAKE, VA 23322-5465
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SPURLANE CIR, CHESAPEAKE, VA 23322-5465

Mortgage

Document Number	010942/468
Date	Feb 5, 2026
Book Page	10942/468
Instrument	260002981

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.12%

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of October 13, 2026

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
2026		$471,700 (+4.75%) Land $200,000 Building $271,700	$471,700 (+4.75%) Land $200,000 Building $271,700
2025	$4,548.00 (+39.55%)	$450,300 (+12.94%) Land $190,000 Building $260,300	$450,300 (+12.94%) Land $190,000 Building $260,300
2023		$398,700 (+4.67%) Land $170,000 Building $228,700	$398,700 (+4.67%) Land $170,000 Building $228,700
2022		$380,900 Land $150,000 Building $230,900	$380,900 Land $150,000 Building $230,900
2019	$3,259.00

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Nov 2020 · rainfall accumulation

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 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