Chesapeake City property record for 403 Rio Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,286 sqft · built 1991 |
| Lot Size | 0.533 acres (23,217 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Jun 2016) |
| Tax Bill | $4,864 (2025) |
| Deeds & Mortgages | Jun 2007 Line of Credit Mar 2017 Line of Credit + 1 more |
| APN | 0584001000770 |
| Primary APN | 0584001000770 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,286 sqft Living Area |
| 1st Floor Area | 897 sqft |
| Upper Floors Area | 897 sqft |
| Attic | Attic |
| Attic Area | 420 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,217 sqft (0.533 acres) |
| Lot Dimensions | 228 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 484 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 403 RIO DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 77 LAS GAVIOTAS PH IV SEC THREE A |
| Legal Subdivision | LAS GAVIOTAS |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21016 |
403 Rio Dr is owned by two individuals who bought it in June 2016.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1903 HEATHWAY TRL, CHESAPEAKE, VA 23323-6500 |
| 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 |
|---|---|
| Jun 22, 2007 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON HOME LOANS |
| Mar 2, 2017 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Mar 2, 2017 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2016 · Amount on File |
| Deed Sale | Jun 30, 2016 · Amount on File |
| Prior Sale | Feb 10, 2011 · Amount on File |
| Deed Document Number | 201617603 |
| Deed Book / Page | 9665 / 300 |
| Prior Transfer Date | Nov 17, 2010 |
| Prior Transfer Doc | 8271/703 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 403 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007130/500 |
|---|---|
| Date | Jun 22, 2007 |
| Book Page | 7130/500 |
| Name | FIRST HORIZON HOME LOANS |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 403 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 009761/291 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 9761/291 |
| Instrument | 170005827 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 143 Months |
| Due | Feb 8, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 403 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 9761/291 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 9761/291 |
| Instrument | 170005827 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 143 Months |
| Due | Feb 8, 2029 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 403 Rio Dr was $4,864.
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 | $502,700 (+4.38%) Land $225,000 Building $277,700 | $502,700 (+4.38%) Land $225,000 Building $277,700 | |
| 2025 | $4,864.00 | $481,600 Land $205,000 Building $276,600 | $481,600 Land $205,000 Building $276,600 |
| 2023 | $439,700 (+14%) Land $165,000 Building $274,700 | $439,700 (+14%) Land $165,000 Building $274,700 | |
| 2022 | $385,700 Land $145,000 Building $240,700 | $385,700 Land $145,000 Building $240,700 | |
| 2019 | $3,453.00 |
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 403 Rio Dr; there have been 1 flood claim nearby since 2016.
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 109 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 109 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 403 Rio Dr is low, with 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 367 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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