3940 Starboard Rd, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 3940 Starboard Rd, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,275 sqft · built 1964
Lot Size	0.196 acres (8,538 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Mar 2022)
Tax Bill	$2,638 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Apr 2025 Refinance + 4 more
APN	`0163004000890`

Property Details

APN / Parcel Number

Primary APN	`0163004000890`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,275 sqft Living Area
1st Floor Area	950 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	113 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	144 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3940 STARBOARD RD
City	CHESAPEAKE
State	VA
Zip	23321-3424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8S: RESID
Legal Description	89 AHOY ACRES SEC 3
Legal Subdivision	AHOY ACRES, AHOY ACRES SOUTH
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1001
Census Tract	21506

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	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Apr 9, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Aug 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Aug 11, 2006	Deed of Trust, Mortgage NORTHERN STAR CREDIT UNIO
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC
Dec 21, 2007	Warranty Deed, Transfer · Conventional Mortgage VIRGINIA HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Dec 21, 2007 · Amount on Record
Deed Document Number	202210860
Deed Book / Page	10540 / 439
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010685/976
Date	Aug 9, 2023
Book Page	10685/976
Instrument	230016802

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010841/690
Date	Apr 9, 2025
Book Page	10841/690
Instrument	250007025

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Fixed Rate

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010779/969
Date	Aug 27, 2024
Book Page	10779/969
Instrument	240017556

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	325 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	006687/538
Date	Aug 11, 2006
Book Page	6687/538

Lender

Name	NORTHERN STAR CREDIT UNIO

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 15, 2021

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Mar 31, 2022
Property Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Document Number	010540/439
Book / Page	10540 / 439
Instrument Date	Mar 1, 2022
Instrument	220010860
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	TRIPLE CROWN TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424

Mortgage

Document Number	0220010861
Date	Mar 31, 2022
Instrument	220010861

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 21, 2007
Property Address	3940 STARBOARD RD, CHESAPEAKE, VA 23321-3424
Document Number	007317/801
Book / Page	7317 / 801
Instrument Date	Dec 14, 2007
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007317804
Date	Dec 21, 2007
Instrument	7317/804

Lender

Name	VIRGINIA HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$2,638.00 (+73.78%)	$261,200 (+13.61%) Land $120,000 Building $141,200	$261,200 (+13.61%) Land $120,000 Building $141,200
2023		$229,900 (+14.61%) Land $110,000 Building $119,900	$229,900 (+14.61%) Land $110,000 Building $119,900
2022		$200,600 Land $80,000 Building $120,600	$200,600 Land $80,000 Building $120,600
2019	$1,518.00

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 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (2009–2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew

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 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 214 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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