401 Arnies Loop, Cape Charles, VA 23310 Property Records

Northampton County property record for 401 Arnies Loop, Cape Charles, VA 23310

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,026 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Nov 2019)
Tax Bill	$6,228 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit Aug 2020 Refinance + 9 more
Flood Zone	Zone X (minimal risk)
APN	`90-4-68`

Property Details

APN / Parcel Number

Primary APN	`90-4-68`
Alternative APNs	`422460` `12974`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,026 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	422460
Street Address	401 ARNIES LOOP
City	CAPE CHARLES
State	VA
Zip	23310-2392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 68 17,004 SQ FT BAY CREE URE LOT 68 17,004 SQ FT BAY CREE URE
Legal Subdivision	BAY CREEK
Legal Lot Number	68
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	2
Census Block Group	3
Census Block	3034
Census Tract	930301

Owner

Source: Northampton County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2018	Deed of Trust, Mortgage · Line of Credit THE OLD POINT NATIONAL BANK OF PHOEBUS
Aug 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TIDEWATER MORTGAGE SERVICES INC
Jan 3, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NATIONAL ASSOCIATION
Nov 16, 2007	Deed of Trust, Mortgage · ARM COUNTRYWIDE BANK FSB
Oct 20, 2005	Deed of Trust, Mortgage · Conventional Mortgage SIDUS FINANCIAL LLC
Nov 27, 2007	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE BANK FSB
Nov 16, 2007	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE BANK FSB
Feb 22, 2006	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE HOME LOANS INC
Jun 14, 2013	Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC
Jul 26, 2012	Bargain and Sale Deed, Transfer · VA Mortgage INTEGRITY HOME LOAN OF CENTRAL FL I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on Record
Deed Sale	Nov 4, 2019 · Amount on Record
Prior Sale	Jul 26, 2012 · Amount on Record
Deed Document Number	190001857
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001318
Date	Sep 6, 2018
Instrument	180001318

Lender

Name	THE OLD POINT NATIONAL BANK OF PHOEBUS

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001538
Date	Aug 25, 2020
Instrument	200001538

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000001
Date	Jan 3, 2022
Instrument	220000001

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Dec 1, 2061

Interest

Rate Type	Adjustable Rate

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070002931
Date	Nov 16, 2007
Instrument	070002931

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Nov 1, 2012
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.5%
Index	1-Year LIBOR
Max Rate	11.5%

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050003898
Date	Oct 20, 2005
Instrument	050003898

Lender

Name	SIDUS FINANCIAL LLC
Type	Mortgage Company
Address	GREENVILLE, NC 27858

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2035

Interest

Rate	6%

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070003002
Date	Nov 27, 2007
Instrument	070003002

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070002932
Date	Nov 16, 2007
Instrument	070002932

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060000540
Date	Feb 22, 2006
Instrument	060000540

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01300/1111
Date	Jun 14, 2013
Book Page	1300/1111

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2043

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Nov 4, 2019
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Document Number	0190001857
Instrument Date	Oct 22, 2019
Instrument	190001857
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392

Mortgage

Document Number	0190001860
Date	Nov 4, 2019
Instrument	190001860

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2012: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Jul 26, 2012
Property Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392
Document Number	0120001260
Map Reference	MB26 PG62
Instrument Date	Jul 25, 2012
Instrument	120001260
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 ARNIES LOOP, CAPE CHARLES, VA 23310-2392

Mortgage

Document Number	0120001261
Date	Jul 26, 2012
Instrument	120001261

Lender

Name	INTEGRITY HOME LOAN OF CENTRAL FL I
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2042

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Cape Charles Town
County	Northampton County
Unified School District	Northampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,228.00 (+21.17%)	$883,500 (+30.62%) Land $91,400 Building $792,100
2024			$883,500 (+30.62%) Land $91,400 Building $792,100
2023	$5,140.00	$676,400 Land $65,400 Building $611,000	$676,400 Land $65,400 Building $611,000

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, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	47 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	0.03% 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	TOWN OF CAPE CHARLES serves 1,342 people · EPA ID VA3131120
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20