3465 Cove Rd, Machipongo, VA 23405 Property Records

Northampton County property record for 3465 Cove Rd, Machipongo, VA 23405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,350 sqft · built 1985
Lot Size	1.92 acres (83,635 sqft)
Owner	Company Name on Record
Last Sale	$565,000 (Jun 2007)
Tax Bill	$3,460 (2025)
Deeds & Mortgages	May 2023 Transfer Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38B-1-3`

Property Details

APN / Parcel Number

Primary APN	`38B-1-3`
Alternative APNs	`10006180` `399560` `7059`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,350 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	83,635 sqft (1.92 acres)
Garage Type	Mixed
Garage Area	484 sqft
Parking Spaces	3 Parking Spaces
Deck Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	10006180
Street Address	3465 COVE RD
City	MACHIPONGO
State	VA
Zip	23405-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #3 CHURCH NECK LOT #3 CHURCH NECK
Legal Subdivision	CHURCH NECK
Legal Lot Number	3
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	4
Census Block Group	1
Census Block	1036
Census Tract	930200

Owner

Source: Northampton County records, as of March 12, 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	Company Name on Record
Mailing Address	3465 COVE RD, MACHIPONGO, VA 23405-2521
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Intrafamily Transfer, Transfer
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 21, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2007 · Amount on Record
Deed Sale	Jun 4, 2007 · Amount on Record
Deed Document Number	20071387
Last Transfer Date	May 2, 2023
Transfer Doc	0000000800
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NORTHAMPTON VA
Recording Date	May 5, 2023
Property Address	3465 COVE RD, MACHIPONGO, VA 23405-2521
Document Number	0230000800
Instrument Date	Apr 12, 2023
Instrument	230000800
Transaction Type	Transfer
Record Updated	May 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 COVE RD, MACHIPONGO, VA 23405-2521

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3465 COVE RD, MACHIPONGO, VA 23405-2521
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATL TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000373
Date	Mar 5, 2020
Instrument	200000373

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3.38%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3465 COVE RD, MACHIPONGO, VA 23405-2521
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000630
Date	Apr 21, 2020
Instrument	200000630

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 7, 2050

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3465 COVE RD, MACHIPONGO, VA 23405-2521
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002880
Date	Nov 8, 2021
Instrument	210002880

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Northampton County
Unified School District	Northampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,460.00 (+15.18%)	$490,900 (+24.18%) Land $237,200 Building $253,700
2024			$490,900 (+24.18%) Land $237,200 Building $253,700
2023	$3,004.00	$395,300 Land $194,000 Building $201,300	$395,300 Land $194,000 Building $201,300

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, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	3 (1990–2003)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Eastern Shore of Virginia Broadband Authority Fiber	200 / 200

Cell Coverage

4G LTE (outdoors only), no 5G reported

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