3403 Bernies Ct S, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3403 Bernies Ct S, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,526 sqft · built 1994
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Aug 2026)
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 2 more
APN	`0051020000390`

Property Details

APN / Parcel Number

Primary APN	`0051020000390`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,526 sqft Living Area
1st Floor Area	624 sqft
Upper Floors Area	672 sqft
Attic	Attic
Attic Area	336 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	113 ft deep x 46 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	336 sqft
Patio Area	215 sqft
Balcony Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3403 BERNIES CT S
City	CHESAPEAKE
State	VA
Zip	23321-5236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8S: RESID
Legal Description	39 CHURCHLAND PARK SEC 3B
Legal Subdivision	POPLAR HILL FARM,CHURCHLAND PARK,DUNEDIN
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3001
Census Tract	21602

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	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage CALCON MUTUAL MORTGAGE
Aug 25, 2022	Warranty Deed, Transfer · VA Mortgage ANGEL OAK HOME LOANS LLC
Feb 12, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Mar 11, 2019	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Aug 25, 2022 · Amount on Record
Deed Document Number	202621296
Deed Book / Page	11013 / 546
Record Updated	Oct 29, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 17, 2026
Property Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236
Document Number	0000021296
Book / Page	11013 / 546
Instrument Date	Aug 8, 2026
Instrument	202621296
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,885.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236

Mortgage

Document Number	0000021297,
Date	Aug 17, 2026
Instrument	202621297

Lender

Name	CALCON MUTUAL MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 25, 2022
Property Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236
Document Number	10594/1788
Book / Page	10594 / 1788
Instrument Date	Aug 22, 2022
Instrument	220027079
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236

Mortgage

Document Number	0220027080
Date	Aug 25, 2022
Instrument	220027080

Lender

Name	ANGEL OAK HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10111/1840
Date	Feb 12, 2020
Book Page	10111/1840
Instrument	200004469

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Mar 11, 2019
Property Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236
Document Number	9993/1277
Book / Page	9993 / 1277
Instrument Date	Feb 20, 2019
Instrument	190005470
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

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
Address	3403 BERNIES CT S, CHESAPEAKE, VA 23321-5236

Mortgage

Document Number	190005471
Date	Mar 11, 2019
Instrument	190005471

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$339,900 (+3.03%) Land $155,000 Building $184,900	$339,900 (+3.03%) Land $155,000 Building $184,900
2025	$3,332.00 (+45.88%)	$329,900 (+9.17%) Land $145,000 Building $184,900	$329,900 (+9.17%) Land $145,000 Building $184,900
2023		$302,200 (+6.82%) Land $135,000 Building $167,200	$302,200 (+6.82%) Land $135,000 Building $167,200
2022		$282,900 Land $120,000 Building $162,900	$282,900 Land $120,000 Building $162,900
2019	$2,284.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force

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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 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 - WESTERN BRANCH SYS serves 32,326 people · EPA ID VA3550050
Water Source	Purchased surface water from CITY OF PORTSMOUTH
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) 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 665 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

May also be available: T-Mobile.

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