3721 Bay Cres, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3721 Bay Cres, Chesapeake, VA 23321

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 1,915 sqft · built 2005
Lot Size	0.08 acres (3,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2025)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Dec 2020 Second Mortgage Nov 2007 Second Mortgage + 1 more
APN	`0163013000860`

Property Details

APN / Parcel Number

Primary APN	`0163013000860`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,915 sqft Living Area
1st Floor Area	589 sqft
Upper Floors Area	589 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,534 sqft (0.08 acres)
Garage Type	Attached
Garage Area	72 sqft

Exterior Amenities

Porch	Slab
Porch Area	68 sqft
Deck Area	96 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3721 BAY CRES
City	CHESAPEAKE
State	VA
Zip	23321-3189
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF1: MULT
Legal Description	UNIT 3721 RIVER BREEZE CONDO PH 32
Legal Subdivision	RIVER BREEZE
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1001
Census Tract	21507

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	3721 BAY CRES, CHESAPEAKE, VA 23321-3189
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 9, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Dec 5, 2025	Deed, Transfer · VA Mortgage LOANUNITED.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Oct 28, 2016 · Amount on Record
Deed Document Number	202528466
Deed Book / Page	10923 / 638
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3721 BAY CRES, CHESAPEAKE, VA 23321-3189
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010270/768
Date	Dec 8, 2020
Book Page	10270/768
Instrument	200046180

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Nov 1, 2046

Interest

Rate Type	Fixed Rate

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3721 BAY CRES, CHESAPEAKE, VA 23321-3189
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007272/415
Date	Nov 9, 2007
Book Page	7272/415

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2012

Interest

Rate Type	Fixed Rate

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 5, 2025
Property Address	3721 BAY CRES, CHESAPEAKE, VA 23321-3189
Document Number	010923/638
Book / Page	10923 / 638
Map Reference	MB 5454 PG 790
Instrument Date	Nov 3, 2025
Instrument	250028466
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3721 BAY CRES # 3721, 3721, CHESAPEAKE, VA 23321-3189

Mortgage

Document Number	0250028467
Date	Dec 5, 2025
Instrument	250028467

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$319,900 (+5.44%) Land $95,000 Building $224,900	$319,900 (+5.44%) Land $95,000 Building $224,900
2025	$3,064.00 (+45.14%)	$303,400 (+10.21%) Land $90,000 Building $213,400	$303,400 (+10.21%) Land $90,000 Building $213,400
2023		$275,300 (+11.46%) Land $80,000 Building $195,300	$275,300 (+11.46%) Land $80,000 Building $195,300
2022		$247,000 Land $70,000 Building $177,000	$247,000 Land $70,000 Building $177,000
2019	$2,111.00

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	4 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 98% of the US · lower than 99% 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 - NORTHWEST RIVER SYS serves 165,240 people · EPA ID VA3550051
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	1 ppb (2023–2025) 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 603 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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