Chesapeake City property record for 404 Fall Ridge Ln, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,972 sqft · built 2003 |
| Lot Size | 0.444 acres (19,341 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $449,900 (Jun 2017) |
| Tax Bill | $6,102 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Oct 2021 Refinance + 4 more |
| APN | 0501002000540 |
| Primary APN | 0501002000540 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,972 sqft Living Area |
| 1st Floor Area | 1,245 sqft |
| Upper Floors Area | 1,245 sqft |
| Attic | Attic |
| Attic Area | 210 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,341 sqft (0.444 acres) |
| Lot Dimensions | 214 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Pool Area | 420 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 280 sqft |
| Patio Area | 316 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 FALL RIDGE LN |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-1258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | LOT 54 STRATFORD TERRACE SEC 1 |
| Legal Subdivision | STRATFORD TERRACE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 21103 |
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 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| Jun 9, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 17, 2008 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 13, 2016 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 28, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2017 · Amount on Record |
| Deed Sale | Jun 28, 2017 · Amount on Record |
| Prior Sale | Sep 3, 2013 · Amount on Record |
| Deed Document Number | 201717653 |
| Deed Book / Page | 9804 / 524 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 23, 2026 |
| Property Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Document Number | 0000019039 |
| Book / Page | 11004 / 918 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202619039 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Document Number | 0000019039, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 11004/918 |
| Instrument | 202619039 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10463/1772 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 10463/1772 |
| Instrument | 210046912 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10568/1888 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 10568/1888 |
| Instrument | 220019273 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007455/830 |
|---|---|
| Date | Apr 17, 2008 |
| Book Page | 7455/830 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Feb 25, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 009696/953 |
|---|---|
| Date | Sep 13, 2016 |
| Book Page | 9696/953 |
| Instrument | 160025492 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jun 28, 2017 |
| Property Address | 404 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Document Number | 9804/524 |
| Book / Page | 9804 / 524 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 170017653 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| 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 FALL RIDGE LN, CHESAPEAKE, VA 23322-1258 |
| Document Number | 170017654 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | 170017654 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $633,500 (+4.85%) Land $210,000 Building $423,500 | $633,500 (+4.85%) Land $210,000 Building $423,500 | |
| 2025 | $6,102.00 (+36.54%) | $604,200 (+7.24%) Land $185,000 Building $419,200 | $604,200 (+7.24%) Land $185,000 Building $419,200 |
| 2023 | $563,400 (+10.43%) Land $175,000 Building $388,400 | $563,400 (+10.43%) Land $175,000 Building $388,400 | |
| 2022 | $510,200 Land $150,000 Building $360,200 | $510,200 Land $150,000 Building $360,200 | |
| 2019 | $4,469.00 |
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 |
|---|---|
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1994–2016) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 60% of Virginia |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 52 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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