Chesapeake City property record for 404 Cairns Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,802 sqft · built 2020 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $567,002 (May 2020) |
| Tax Bill | $7,864 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage May 2020 Sale & Mortgage |
| APN | 0851004000790 |
| Primary APN | 0851004000790 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,802 sqft Living Area |
| 1st Floor Area | 2,280 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 417 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 CAIRNS RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-4469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD: PLANN |
| Legal Description | 79 HICKORY LANDING PH 2 |
| Legal Subdivision | HICKORY LANDING |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 21004 |
404 Cairns Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| 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 |
|---|---|
| Apr 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROSPERITY HOME MORTGAGE LLC |
| May 26, 2020 | Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2020 · Amount on File |
| Deed Sale | May 26, 2020 · Amount on File |
| Deed Document Number | 202016141 |
| Deed Book / Page | 10154 / 1184 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 10656/1462 |
|---|---|
| Date | Apr 27, 2023 |
| Book Page | 10656/1462 |
| Instrument | 230008426 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2038 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 26, 2020 |
| Property Address | 404 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Document Number | 10154/1184 |
| Book / Page | 10154 / 1184 |
| Instrument Date | May 22, 2020 |
| Instrument | 200016141 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Document Number | 200016142 |
|---|---|
| Date | May 26, 2020 |
| Instrument | 200016142 |
| Name | C&F MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 404 Cairns Rd was $7,864.
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 | $767,800 (-1.39%) Land $235,000 Building $532,800 | $767,800 (-1.39%) Land $235,000 Building $532,800 | |
| 2025 | $7,864.00 | $778,600 Land $215,000 Building $563,600 | $778,600 Land $215,000 Building $563,600 |
| 2023 | $726,100 (+17.11%) Land $180,000 Building $546,100 | $726,100 (+17.11%) Land $180,000 Building $546,100 | |
| 2022 | $620,000 Land $165,000 Building $455,000 | $620,000 Land $165,000 Building $455,000 | |
| 2019 | $1,575.00 |
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 404 Cairns Rd; there have been 3 flood claims nearby since 2005.
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 82 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 3 (2005–2016) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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 404 Cairns Rd is low, with a 0.02% 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 | 0.02% 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 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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