Chesapeake City property record for 326 Rio Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,775 sqft · built 1991 |
| Lot Size | 0.244 acres (10,629 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $261,100 (Sep 2014) |
| Tax Bill | $5,523 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit Aug 2021 Refinance + 6 more |
| APN | 0584001000300 |
| Primary APN | 0584001000300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,775 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Upper Floors Area | 952 sqft |
| Attic | Attic |
| Attic Area | 322 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,629 sqft (0.244 acres) |
| Lot Dimensions | 91 ft deep x 137 ft wide |
| Garage Type | Attached |
| Garage Area | 322 sqft |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 84 sqft |
| Deck Area | Deck Area |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 326 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 | 30 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 |
326 Rio Dr is owned and occupied by two individuals who acquired it in July 2016.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 13, 2019 | Deed of Trust, Mortgage · Line of Credit ABNB FEDERAL CREDIT UNION |
| Aug 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Dec 2, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jul 27, 2017 | Deed of Trust, Mortgage · FHA Mortgage BBMC MORTGAGE |
| Aug 9, 2016 | Deed of Trust, Mortgage · FHA Mortgage PACIFIC UNION FINANCIAL LLC |
| Aug 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| Apr 27, 2015 | Deed of Trust, Mortgage · FHA Mortgage PACIFIC UNION FINANCIAL LLC |
| Jul 27, 2017 | Deed of Trust, Mortgage · FHA Mortgage BBMC MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2014 · Amount on File |
| Deed Sale | Sep 19, 2014 · Amount on File |
| Prior Sale | Aug 9, 2004 · Amount on File |
| Deed Book / Page | 9432 / 925 |
| Last Transfer Date | Jul 8, 2016 |
| Transfer Doc | 9681/25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 010043/544 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 10043/544 |
| Instrument | 190020927 |
| Name | ABNB FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Aug 6, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010433/653 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 10433/653 |
| Instrument | 210038980 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010921/898 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 10921/898 |
| Instrument | 250027963 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 09814/1638 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 9814/1638 |
| Instrument | 170020387 |
| Name | BBMC MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | LENDERS TITLE SOLUTIONS, LENDERS TITLE SOLUTIONS LLC |
| Name | Verified Name |
|---|
| Document Number | 0009681/30 |
|---|---|
| Date | Aug 9, 2016 |
| Book Page | 9681/30 |
| Instrument | 160021707 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010779/707 |
|---|---|
| Date | Aug 26, 2024 |
| Book Page | 10779/707 |
| Instrument | 240017521 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 09503/1927 |
|---|---|
| Date | Apr 27, 2015 |
| Book Page | 9503/1927 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2045 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 326 RIO DR, CHESAPEAKE, VA 23322-7143 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 9814/1638 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 9814/1638 |
| Instrument | 170020387 |
| Name | BBMC MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 326 Rio Dr was $5,523, up 17.8% from the year before.
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 | $571,600 (+4.54%) Land $220,000 Building $351,600 | $571,600 (+4.54%) Land $220,000 Building $351,600 | |
| 2025 | $5,523.00 (+17.84%) | $546,800 Land $200,000 Building $346,800 | $546,800 Land $200,000 Building $346,800 |
| 2024 | $4,687.00 | ||
| 2023 | $444,000 (+15.23%) Land $160,000 Building $284,000 | $444,000 (+15.23%) Land $160,000 Building $284,000 | |
| 2022 | $385,300 Land $140,000 Building $245,300 | $385,300 Land $140,000 Building $245,300 | |
| 2019 | $3,444.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 326 Rio Dr; there have been 1 flood claim nearby since 2016.
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 File 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.
Wildfire risk around 326 Rio Dr is low, with a 0.01% annual chance of 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.
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 367 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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