Chesapeake City property record for 404 Clara Dr, Chesapeake, VA 23320
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,015 sqft · built 2012 |
| Lot Size | 0.445 acres (19,384 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $363,000 (Apr 2013) |
| Tax Bill | $5,503 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2017 Refinance + 2 more |
| APN | 0363015000050 |
| Primary APN | 0363015000050 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,015 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Upper Floors Area | 1,288 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,384 sqft (0.445 acres) |
| Lot Dimensions | 128 ft deep x 56 ft wide |
| Garage Type | Attached |
| Garage Area | 96 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 133 sqft |
| Deck Area | 480 sqft |
| Patio Area | 188 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 CLARA DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23320-6845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 5 CUTHERELL LANDING |
| Legal Subdivision | MAGNOLIA CHASE,CUTHERELL,WINSTON |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20907 |
Source: Chesapeake City records, as of October 13, 2026
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 Record |
|---|---|
| Mailing Address | 404 CLARA DR, CHESAPEAKE, VA 23320-6845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Dec 20, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance JG WENTWORTH HOME LENDING LLC |
| Jul 29, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Sep 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2013 · Amount on Record |
| Deed Sale | Apr 9, 2013 · Amount on Record |
| Deed Book / Page | 9037 / 450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jun 12, 2026 |
| Property Address | 404 CLARA DR, CHESAPEAKE, VA 23320-6845 |
| Document Number | 0000015115 |
| Book / Page | 10989 / 1639 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202615115 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 404 CLARA DR, CHESAPEAKE, VA 23320-6845 |
| Document Number | 0000015115, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 10989/1639 |
| Instrument | 202615115 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Sep 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 CLARA DR, CHESAPEAKE, VA 23320-6845 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 009867/834 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 9867/834 |
| Instrument | 170035038 |
| Name | JG WENTWORTH HOME LENDING LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jan 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 CLARA DR, CHESAPEAKE, VA 23320-6845 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 10188/1002 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 10188/1002 |
| Instrument | 200025063 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 283 Months |
| Due | Feb 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 CLARA DR, CHESAPEAKE, VA 23320-6845 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010455/716 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 10455/716 |
| Instrument | 210044648 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 273 Months |
| Due | Jun 1, 2044 |
| Rate Type | Fixed Rate |
|---|
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 | $558,200 (+2.44%) Land $180,000 Building $378,200 | $558,200 (+2.44%) Land $180,000 Building $378,200 | |
| 2025 | $5,503.00 (+35.91%) | $544,900 (+12.42%) Land $160,000 Building $384,900 | $544,900 (+12.42%) Land $160,000 Building $384,900 |
| 2023 | $484,700 (+5.74%) Land $150,000 Building $334,700 | $484,700 (+5.74%) Land $150,000 Building $334,700 | |
| 2022 | $458,400 Land $135,000 Building $323,400 | $458,400 Land $135,000 Building $323,400 | |
| 2019 | $4,049.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 113 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 333 units insured incl. 220 condo units |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Jul 2014 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.6% of Virginia |
|---|---|
| Wildfire Likelihood | Under 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 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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