3540 Elkton Dr, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3540 Elkton Dr, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,416 sqft · built 1992
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,000 (Jun 2021)
Tax Bill	$4,639 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jan 2021 Refinance
APN	`0043001001550`

Property Details

APN / Parcel Number

Primary APN	`0043001001550`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,416 sqft Living Area
1st Floor Area	884 sqft
Attic	Attic
Attic Area	440 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	550 sqft
Patio Area	153 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3540 ELKTON DR
City	CHESAPEAKE
State	VA
Zip	23321-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	155 WELLINGTON SEC 1
Legal Subdivision	WELLINGTON
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	5
Census Block	5005
Census Tract	21602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3540 ELKTON DR, CHESAPEAKE, VA 23321-4434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Feb 4, 2013 · Amount on Record
Deed Document Number	202128442
Deed Book / Page	10395 / 1
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 23, 2021
Property Address	3540 ELKTON DR, CHESAPEAKE, VA 23321-4434
Document Number	10395/1
Book / Page	10395 / 1
Instrument Date	Jun 18, 2021
Instrument	210028442
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	3540 ELKTON DR, CHESAPEAKE, VA 23321-4434
Investor	Possibly a Property Investor

Mortgage

Document Number	210028443
Date	Jun 23, 2021
Instrument	210028443

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3540 ELKTON DR, CHESAPEAKE, VA 23321-4434
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10294/1065
Date	Jan 19, 2021
Book Page	10294/1065
Instrument	210002641

Lender

Name	LAKEVIEW LOAN SERVICING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

Interest

Rate Type	Fixed Rate
Rate	3.25%

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		$469,600 (+2.24%) Land $160,000 Building $309,600	$469,600 (+2.24%) Land $160,000 Building $309,600
2025	$4,639.00 (+44.2%)	$459,300 (+18.65%) Land $150,000 Building $309,300	$459,300 (+18.65%) Land $150,000 Building $309,300
2023		$387,100 (+4.99%) Land $140,000 Building $247,100	$387,100 (+4.99%) Land $140,000 Building $247,100
2022		$368,700 Land $130,000 Building $238,700	$368,700 Land $130,000 Building $238,700
2019	$3,217.00

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	7 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 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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