3923 Oak Dr E, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3923 Oak Dr E, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,434 sqft · built 1988
Lot Size	0.625 acres (27,225 sqft)
Owner	2 Individual Names on File
Last Sale	$451,000 (Apr 2004)
Tax Bill	$6,400 (2025)
Deeds & Mortgages	Feb 2009 Mortgage Mar 2021 Refinance + 2 more
APN	`0052001000140`

Property Details

APN / Parcel Number

Primary APN	`0052001000140`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,434 sqft Living Area
1st Floor Area	1,572 sqft
Upper Floors Area	1,572 sqft
Attic	Attic
Attic Area	472 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Brick
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	27,225 sqft (0.625 acres)
Lot Dimensions	135 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	750 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	82 sqft
Deck Area	472 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3923 OAK DR E
City	CHESAPEAKE
State	VA
Zip	23321-5903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	14 TYRE NECK
Legal Subdivision	TYRE NECK
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1000
Census Tract	21604

Owner

Source: Chesapeake City assessment roll, as of August 25, 2025

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 File
Mailing Address	3923 OAK DR E, CHESAPEAKE, VA 23321-5903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2009	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Mar 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST COMPANY
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 28, 2004 · Amount on Record
Deed Sale	Apr 28, 2004 · Amount on Record
Deed Book / Page	5406 / 84
Record Updated	Sep 20, 2026

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3923 OAK DR E, CHESAPEAKE, VA 23321-5903
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007715/485
Date	Feb 19, 2009
Book Page	7715/485

Lender

Name	COUNTRYWIDE BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2039

Interest

Rate Type	Fixed Rate
Rate	4.88%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3923 OAK DR E, CHESAPEAKE, VA 23321-5903
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010324/284
Date	Mar 4, 2021
Book Page	10324/284
Instrument	210010197

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3923 OAK DR E, CHESAPEAKE, VA 23321-5903
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09777/1346
Date	Apr 19, 2017
Book Page	9777/1346
Instrument	170010372

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3923 OAK DR E, CHESAPEAKE, VA 23321-5903
Transaction Type	Mortgage
Record Updated	May 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170010372
Date	Apr 19, 2017
Book Page	9777/1346
Instrument	170010372

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of August 25, 2025

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
2025	$6,400.00 (+12.44%)	$633,700 (+2.74%) Land $170,000 Building $463,700	$633,700 (+2.74%) Land $170,000 Building $463,700
2023		$616,800 (+7.33%) Land $160,000 Building $456,800	$616,800 (+7.33%) Land $160,000 Building $456,800
2022		$574,700 Land $145,000 Building $429,700	$574,700 Land $145,000 Building $429,700
2019	$5,692.00

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 USA.

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