3909 Point Elizabeth Dr, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3909 Point Elizabeth Dr, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,212 sqft · built 1977
Lot Size	0.294 acres (12,807 sqft)
Owner	2 Individual Names on File
Last Sale	$459,000 (Dec 2025)
Tax Bill	$3,918 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
APN	`0104003002300`

Property Details

APN / Parcel Number

Primary APN	`0104003002300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,212 sqft Living Area
1st Floor Area	2,212 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2025
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,807 sqft (0.294 acres)
Lot Dimensions	100 ft deep x 217 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	227 sqft
Deck Area	286 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3909 POINT ELIZABETH DR
City	CHESAPEAKE
State	VA
Zip	23321-5726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	230 POINT ELIZABETH SEC 3
Legal Subdivision	POINT ELIZABETH
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1016
Census Tract	21604

Owner

3909 Point Elizabeth Dr is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3909 POINT ELIZABETH DR, CHESAPEAKE, VA 23321-5726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on File
Deed Sale	Dec 1, 2025 · Amount on File
Deed Document Number	202527902
Deed Book / Page	10921 / 467
Record Updated	Oct 29, 2026

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 1, 2025
Property Address	3909 POINT ELIZABETH DR, CHESAPEAKE, VA 23321-5726
Document Number	010921/467
Book / Page	10921 / 467
Instrument Date	Nov 25, 2025
Instrument	250027902
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459.00
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	3909 POINT ELIZABETH DR, CHESAPEAKE, VA 23321-5726

Mortgage

Document Number	0250027903
Date	Dec 1, 2025
Instrument	250027903

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3909 Point Elizabeth Dr was $3,918.

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		$446,300 (+15.06%) Land $160,000 Building $286,300	$446,300 (+15.06%) Land $160,000 Building $286,300
2025	$3,918.00	$387,900 Land $150,000 Building $237,900	$387,900 Land $150,000 Building $237,900
2023		$340,500 (+0.56%) Land $140,000 Building $200,500	$340,500 (+0.56%) Land $140,000 Building $200,500
2022		$338,600 Land $130,000 Building $208,600	$338,600 Land $130,000 Building $208,600
2019	$2,703.00

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 3909 Point Elizabeth 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 3909 Point Elizabeth 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 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 418 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