3604 Harding Dr, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3604 Harding Dr, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,889 sqft · built 1973
Lot Size	1.48 acres (64,687 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Feb 2001)
Tax Bill	$8,985 (2025)
Deeds & Mortgages	Oct 2024 Refinance Feb 2024 Refinance + 1 more
APN	`0104001000740`

Property Details

APN / Parcel Number

Primary APN	`0104001000740`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,889 sqft Living Area
1st Floor Area	1,464 sqft
Upper Floors Area	1,894 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood
Lot Area	64,687 sqft (1.48 acres)
Lot Dimensions	215 ft deep x 66 ft wide
Garage Type	Carport
Garage Area	477 sqft
Carport	Carport
Carport Area	477 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	968 sqft
Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	1,718 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3604 HARDING DR
City	CHESAPEAKE
State	VA
Zip	23321-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	74 POINT ELIZABETH SEC 1
Legal Subdivision	POINT ELIZABETH
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1003
Census Tract	21604

Owner

3604 Harding Dr is owned and occupied by an individual who acquired it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3604 HARDING DR, CHESAPEAKE, VA 23321-5803
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
Oct 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Feb 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Nov 9, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2001 · Amount on File
Deed Sale	Feb 6, 2001 · Amount on File
Deed Book / Page	4207 / 750
Last Transfer Date	Oct 14, 2021
Transfer Doc	10477/731
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3604 HARDING DR, CHESAPEAKE, VA 23321-5803
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010790/350
Date	Oct 1, 2024
Book Page	10790/350
Instrument	240020331

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

Interest

Rate Type	Fixed Rate

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3604 HARDING DR, CHESAPEAKE, VA 23321-5803
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010724/989
Date	Feb 6, 2024
Book Page	10724/989
Instrument	240002285

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Nov 9, 2021
Property Address	3604 HARDING DR, CHESAPEAKE, VA 23321-5803
Document Number	10477/731
Book / Page	10477 / 731
Instrument Date	Oct 14, 2021
Instrument	210050499
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 HARDING DR, CHESAPEAKE, VA 23321-5803

Tax Assessment & Valuation

The 2025 property tax bill for 3604 Harding Dr was $8,985, up 6.6% from the year before.

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		$893,000 (+0.38%) Land $290,000 Building $603,000	$893,000 (+0.38%) Land $290,000 Building $603,000
2025	$8,985.00 (+6.6%)	$889,600 Land $280,000 Building $609,600	$889,600 Land $280,000 Building $609,600
2024	$8,429.00
2023		$793,600 (-0.01%) Land $270,000 Building $523,600	$793,600 (-0.01%) Land $270,000 Building $523,600
2022		$793,700 Land $260,000 Building $533,700	$793,700 Land $260,000 Building $533,700
2019	$6,746.00

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 3604 Harding Dr; there have been 1 flood claim nearby since 2003.

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 72 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 3604 Harding Dr is low, with less than a 0.01% annual chance of 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 174 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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