Chesapeake City property record for 401 Oak Gate Dr, Chesapeake, VA 23320
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,592 sqft · built 1995 |
| Lot Size | 0.09 acres (3,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Apr 2012) |
| Tax Bill | $3,243 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Dec 2018 Second Mortgage + 5 more |
| APN | 0375003000500 |
| Primary APN | 0375003000500 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,592 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Upper Floors Area | 480 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 3,792 sqft (0.09 acres) |
| Garage Type | Attached |
| Garage Area | 12 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 441 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 401 OAK GATE DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23320-9519 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RMF1: MULT |
| Legal Description | UNIT 50 OAK LAKE ESTATES CONDO PH 27 |
| Legal Subdivision | OAK LAKE ESTATES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 20805 |
401 Oak Gate Dr, a condominium, is owned and occupied by an individual who acquired it in October 2020.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| 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.
| Date | Document |
|---|---|
| Feb 24, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Dec 21, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Dec 8, 2021 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Nov 5, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK |
| May 2, 2016 | Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Nov 18, 2009 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Nov 5, 2020 | Intrafamily Transfer, Transfer · Stand-Alone Refinance THE FEDERAL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2012 · Amount on File |
| Deed Sale | Apr 3, 2012 · Amount on File |
| Prior Sale | Dec 28, 2004 · Amount on File |
| Deed Book / Page | 8657 / 26 |
| Last Transfer Date | Oct 30, 2020 |
| Transfer Doc | 10251/331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10115/1387 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 10115/1387 |
| Instrument | 200005626 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 09976/1046 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 9976/1046 |
| Instrument | 180033098 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 1, 2028 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10491/1815 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 10491/1815 |
| Instrument | 210054607 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010251/335 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 10251/335 |
| Instrument | 200041394 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009639/377 |
|---|---|
| Date | May 2, 2016 |
| Book Page | 9639/377 |
| Instrument | 160011085 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007986/755 |
|---|---|
| Date | Nov 18, 2009 |
| Book Page | 7986/755 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Nov 5, 2020 |
| Property Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Document Number | 10251/331 |
| Book / Page | 10251 / 331 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 200041393 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 OAK GATE DR, CHESAPEAKE, VA 23320-9519 |
| Document Number | 10251/335 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 10251/335 |
| Instrument | 200041394 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 401 Oak Gate Dr was $3,243, up 1.9% from the year before.
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $342,900 (+6.79%) Land $120,000 Building $222,900 | $342,900 (+6.79%) Land $120,000 Building $222,900 | |
| 2025 | $3,243.00 (+1.92%) | $321,100 Land $115,000 Building $206,100 | $321,100 Land $115,000 Building $206,100 |
| 2024 | $3,182.00 | ||
| 2023 | $276,900 (+14.47%) Land $90,000 Building $186,900 | $276,900 (+14.47%) Land $90,000 Building $186,900 | |
| 2022 | $241,900 Land $75,000 Building $166,900 | $241,900 Land $75,000 Building $166,900 | |
| 2019 | $2,326.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 401 Oak Gate Dr; there have been 1 flood claim nearby since 2018.
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 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2018 · other causes |
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.
The area around 401 Oak Gate Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people · EPA ID VA3550051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 395 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 |
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