3708 Harding Dr, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3708 Harding Dr, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,877 sqft · built 1973
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Individual Names on File
Last Sale	$469,800 (Dec 2022)
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jan 2014 Mortgage + 6 more
APN	`0104001000670`

Property Details

APN / Parcel Number

Primary APN	`0104001000670`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,877 sqft Living Area
1st Floor Area	1,196 sqft
Upper Floors Area	1,196 sqft
Attic	Attic
Attic Area	575 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,509 sqft (0.379 acres)
Lot Dimensions	118 ft deep x 283 ft wide
Garage Type	Attached
Garage Area	575 sqft

Exterior Amenities

Pool Area	703 sqft
Porch	Slab
Porch Area	774 sqft
Patio Area	1,686 sqft
Balcony Area	46 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3708 HARDING DR
City	CHESAPEAKE
State	VA
Zip	23321-5805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	67 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

3708 Harding Dr is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
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 26, 2019	Deed of Trust, Mortgage · Commercial Mortgage TOWNEBANK
Jan 6, 2014	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Feb 1, 2008	Deed of Trust, Mortgage · Conventional Mortgage MACQUARIE MORTGAGES USA I
Aug 5, 2015	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Dec 15, 2006	Deed of Trust, Mortgage WACHOVIA BANK NATIONAL AS
Dec 13, 2006	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NATIONAL AS
Dec 21, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Oct 7, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2022 · Amount on File
Deed Sale	Dec 21, 2022 · Amount on File
Prior Sale	Dec 2, 2002 · Amount on File
Deed Document Number	202236901
Deed Book / Page	10626 / 1731
Prior Transfer Date	Dec 16, 2022
Prior Transfer Doc	10626/1731
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010095/678
Date	Dec 26, 2019
Book Page	10095/678
Instrument	190036028

Lender

Name	TOWNEBANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00009297/5
Date	Jan 6, 2014
Book Page	9297/5

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2034

Interest

Rate Type	Fixed Rate

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007362/633
Date	Feb 1, 2008
Book Page	7362/633

Lender

Name	MACQUARIE MORTGAGES USA I

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 15, 2037

Interest

Rate Type	Fixed Rate

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09543/1665
Date	Aug 5, 2015
Book Page	9543/1665

Lender

Name	TOWNEBANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	419 Months
Due	Jul 28, 2050

Interest

Rate Type	Adjustable Rate

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006878/147
Date	Dec 15, 2006
Book Page	6878/147

Lender

Name	WACHOVIA BANK NATIONAL AS

Agreement

Amount	Amount on Record
Term	359 Months
Due	Nov 3, 2036

Interest

Rate Type	Fixed Rate

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006874/578
Date	Dec 13, 2006
Book Page	6874/578

Lender

Name	WACHOVIA BANK NATIONAL AS

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 2, 2036

Interest

Rate Type	Adjustable Rate

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 21, 2022
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Document Number	10626/1731
Book / Page	10626 / 1731
Instrument Date	Dec 16, 2022
Instrument	220036901
Transaction Type	Transfer
Record Updated	Jan 4, 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	3708 HARDING DR, CHESAPEAKE, VA 23321-5805

Mortgage

Document Number	10626/1735
Date	Dec 21, 2022
Book Page	10626/1735
Instrument	220036902

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2038

Interest

Rate Type	Fixed Rate
Rate	5.88%

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Oct 7, 2019
Property Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805
Document Number	10063/1448
Book / Page	10063 / 1448
Instrument Date	Oct 1, 2019
Instrument	190026994
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3708 HARDING DR, CHESAPEAKE, VA 23321-5805

Mortgage

Document Number	10063/1451
Date	Oct 7, 2019
Book Page	10063/1451
Instrument	190026995

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3708 Harding Dr was $5,388, up 6.1% 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		$544,900 (+2.14%) Land $170,000 Building $374,900	$544,900 (+2.14%) Land $170,000 Building $374,900
2025	$5,388.00 (+6.06%)	$533,500 Land $160,000 Building $373,500	$533,500 Land $160,000 Building $373,500
2024	$5,080.00
2023		$475,600 (+1.23%) Land $150,000 Building $325,600	$475,600 (+1.23%) Land $150,000 Building $325,600
2022		$469,800 Land $140,000 Building $329,800	$469,800 Land $140,000 Building $329,800
2019	$3,615.00

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 3708 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 3708 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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