Chesapeake City property record for 328 Mill Stone Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,628 sqft · built 1978 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $481,000 (Oct 2016) |
| Tax Bill | $6,926 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2020 Refinance + 4 more |
| APN | 0731006000190 |
| Primary APN | 0731006000190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,628 sqft Living Area |
| 1st Floor Area | 2,604 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Wood |
| Lot Area | 130,680 sqft (3 acres) |
| Lot Dimensions | 381 ft deep x 391 ft wide |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 1,152 sqft |
| Porch | Slab |
| Porch Area | 60 sqft |
| Deck Area | Deck Area |
| Patio Area | 756 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 328 MILL STONE RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-4345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1: AGRICU |
| Legal Description | 19 WOODARDS MILL SEC 2 |
| Legal Subdivision | WOODARDS MILL |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 21009 |
328 Mill Stone Rd is owned and occupied by two individuals who bought it in October 2016.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| 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 |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BAYPORT CREDIT UNION |
| Dec 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance TOWNEBANK MORTGAGE |
| Jul 28, 2008 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE |
| Sep 5, 2008 | Deed of Trust, Mortgage · Line of Credit MONARCH BANK |
| Apr 8, 2015 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST COMPANY |
| Mar 5, 2009 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2016 · Amount on File |
| Deed Sale | Oct 19, 2016 · Amount on File |
| Prior Sale | Feb 6, 2013 · Amount on File |
| Deed Document Number | 201629411 |
| Deed Book / Page | 9711 / 1382 |
| Prior Transfer Date | Apr 9, 2013 |
| Prior Transfer Doc | 9041/12 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 29, 2026 |
| Property Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Document Number | 0000025083 |
| Book / Page | 11027 / 227 |
| Instrument Date | Sep 24, 2026 |
| Instrument | 202625083 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Document Number | 0000025083, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 11027/227 |
| Instrument | 202625083 |
| Name | BAYPORT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 1, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010276/120 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 10276/120 |
| Instrument | 200047733 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007562/197 |
|---|---|
| Date | Jul 28, 2008 |
| Book Page | 7562/197 |
| Name | PRIVATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Dec 7, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007596/821 |
|---|---|
| Date | Sep 5, 2008 |
| Book Page | 7596/821 |
| Name | MONARCH BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009497/333 |
|---|---|
| Date | Apr 8, 2015 |
| Book Page | 9497/333 |
| Name | BRANCH BANKING & TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 5, 2009 |
| Property Address | 328 MILL STONE RD, CHESAPEAKE, VA 23322-4345 |
| Document Number | 0007731/18 |
| Book / Page | 7731 / 18 |
| Instrument Date | Feb 19, 2009 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 328 Mill Stone Rd was $6,926, up 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 | $729,500 (+6.39%) Land $280,000 Building $449,500 | $729,500 (+6.39%) Land $280,000 Building $449,500 | |
| 2025 | $6,926.00 (+7.97%) | $685,700 Land $250,000 Building $435,700 | $685,700 Land $250,000 Building $435,700 |
| 2024 | $6,415.00 | ||
| 2023 | $568,800 (+6.36%) Land $210,000 Building $358,800 | $568,800 (+6.36%) Land $210,000 Building $358,800 | |
| 2022 | $534,800 Land $195,000 Building $339,800 | $534,800 Land $195,000 Building $339,800 | |
| 2019 | $4,891.00 |
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 328 Mill Stone Rd; there have been 3 flood claims nearby since 1982.
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 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 risk around 328 Mill Stone Rd is low, with a 0.04% annual chance of 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 141 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 |
| Starlink Satellite | 280 / 30 |
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