3732 Hardwick Ter, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3732 Hardwick Ter, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,764 sqft · built 1984
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$171,500 (Oct 2002)
Tax Bill	$4,661 (2025)
Deeds & Mortgages	Dec 2019 Reverse Mortgage Aug 2021 Mortgage
APN	`0104006000100`

Property Details

APN / Parcel Number

Primary APN	`0104006000100`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,764 sqft Living Area
1st Floor Area	1,232 sqft
Attic	Attic
Attic Area	767 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	128 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	767 sqft

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	286 sqft
Patio Area	268 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3732 HARDWICK TER
City	CHESAPEAKE
State	VA
Zip	23321-5735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	288 POINT ELIZABETH SEC 4-B
Legal Subdivision	POINT ELIZABETH
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1008
Census Tract	21604

Owner

3732 Hardwick Ter is owned and occupied by an individual who bought it in October 2002.

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

Owner of Record	Individual Name on File
Mailing Address	3732 HARDWICK TER, CHESAPEAKE, VA 23321-5735
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 12, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 5, 2021	Deed of Trust, Mortgage · ARM FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2002 · Amount on File
Deed Sale	Oct 16, 2002 · Amount on File
Deed Book / Page	4720 / 349
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3732 HARDWICK TER, CHESAPEAKE, VA 23321-5735
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10089/1040
Date	Dec 12, 2019
Book Page	10089/1040
Instrument	190034428

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.95%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2021
Margin	5

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3732 HARDWICK TER, CHESAPEAKE, VA 23321-5735
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10421/1969
Date	Aug 5, 2021
Book Page	10421/1969
Instrument	210035842

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	1.96%
Change Frequency	Annually
Margin	5

Tax Assessment & Valuation

The 2025 property tax bill for 3732 Hardwick Ter was $4,661.

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		$461,000 (-0.11%) Land $160,000 Building $301,000	$461,000 (-0.11%) Land $160,000 Building $301,000
2025	$4,661.00	$461,500 Land $150,000 Building $311,500	$461,500 Land $150,000 Building $311,500
2023		$404,500 (-0.34%) Land $140,000 Building $264,500	$404,500 (-0.34%) Land $140,000 Building $264,500
2022		$405,900 Land $130,000 Building $275,900	$405,900 Land $130,000 Building $275,900
2019	$3,221.00

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 3732 Hardwick Ter; 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

The area around 3732 Hardwick Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 307 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

Cell Coverage

5G (outdoors only) and 4G LTE

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