349 Mill Stone Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 349 Mill Stone Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,627 sqft · built 1978
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Feb 2011)
Tax Bill	$7,732 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Mar 2021 Refinance
APN	`0731006000300`

Property Details

APN / Parcel Number

Primary APN	`0731006000300`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,627 sqft Living Area
1st Floor Area	2,565 sqft
Attic	Attic
Attic Area	780 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	501 ft deep x 315 ft wide
Garage Type	Attached
Garage Area	780 sqft

Exterior Amenities

Porch	Slab
Porch Area	130 sqft
Deck Area	Deck Area
Patio Area	536 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	349 MILL STONE RD
City	CHESAPEAKE
State	VA
Zip	23322-4351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1: AGRICU
Legal Description	30 WOODARDS MILL SEC 2
Legal Subdivision	WOODARDS MILL
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1010
Census Tract	21009

Owner

349 Mill Stone Rd is owned and occupied by two individuals who bought it in February 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	349 MILL STONE RD, CHESAPEAKE, VA 23322-4351
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2011 · Amount on File
Deed Sale	Feb 24, 2011 · Amount on File
Deed Book / Page	8343 / 540
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	349 MILL STONE RD, CHESAPEAKE, VA 23322-4351
Transaction Type	Mortgage
Record Updated	Jan 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10625/1983
Date	Dec 19, 2022
Book Page	10625/1983
Instrument	220036628

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Adjustable Rate
Rate	6.5%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	349 MILL STONE RD, CHESAPEAKE, VA 23322-4351
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10341/1447
Date	Mar 30, 2021
Book Page	10341/1447
Instrument	210014591

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 349 Mill Stone Rd was $7,732.

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		$807,900 (+5.54%) Land $280,000 Building $527,900	$807,900 (+5.54%) Land $280,000 Building $527,900
2025	$7,732.00	$765,500 Land $250,000 Building $515,500	$765,500 Land $250,000 Building $515,500
2023		$637,000 (+5.12%) Land $210,000 Building $427,000	$637,000 (+5.12%) Land $210,000 Building $427,000
2022		$606,000 Land $195,000 Building $411,000	$606,000 Land $195,000 Building $411,000
2019	$5,426.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 349 Mill Stone Rd; there have been 10 flood claims nearby since 1999.

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 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	10 (1999–2025)
Claims Outside the SFHA	10 of 10
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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

Wildfire risk around 349 Mill Stone Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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