Chesapeake City property record for 404 Providence Rd, Chesapeake, VA 23325
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,224 sqft · built 1974 |
| Lot Size | 0.416 acres (18,121 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,485 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2023 Second Mortgage + 1 more |
| APN | 0193010000240 |
| Primary APN | 0193010000240 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,224 sqft Living Area |
| 1st Floor Area | 1,815 sqft |
| Attic | Attic |
| Attic Area | 682 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,121 sqft (0.416 acres) |
| Lot Dimensions | 145 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 682 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Patio Area | 140 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 PROVIDENCE RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23325-4603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 3 BLK A GEORGETOWN POINT SEC 2 |
| Legal Subdivision | GEORGETOWN POINT |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20808 |
404 Providence Rd is owned and occupied by an individual.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 PROVIDENCE RD, CHESAPEAKE, VA 23325-4603 |
| 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 |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Oct 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Feb 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 15, 2026 |
| Property Address | 404 PROVIDENCE RD, CHESAPEAKE, VA 23325-4603 |
| Document Number | 0000012455 |
| Book / Page | 10979 / 1099 |
| Instrument Date | May 8, 2026 |
| Instrument | 202612455 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 404 PROVIDENCE RD, CHESAPEAKE, VA 23325-4603 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012455, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 10979/1099 |
| Instrument | 202612455 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Jun 1, 2066 |
| Rate | 7% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 PROVIDENCE RD, CHESAPEAKE, VA 23325-4603 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 10700/1235 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 10700/1235 |
| Instrument | 230021382 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 1, 2028 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 404 PROVIDENCE RD, CHESAPEAKE, VA 23325-4603 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 010524/417 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 10524/417 |
| Instrument | 220006267 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 404 Providence Rd was $3,485.
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 | $370,000 (+7.25%) Land $135,000 Building $235,000 | $370,000 (+7.25%) Land $135,000 Building $235,000 | |
| 2025 | $3,485.00 | $345,000 Land $125,000 Building $220,000 | $345,000 Land $125,000 Building $220,000 |
| 2023 | $327,000 (+6.2%) Land $105,000 Building $222,000 | $327,000 (+6.2%) Land $105,000 Building $222,000 | |
| 2022 | $307,900 Land $95,000 Building $212,900 | $307,900 Land $95,000 Building $212,900 | |
| 2019 | $2,657.00 |
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 Providence Rd; there have been 2 flood claims nearby since 1998.
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 | 5 in force |
| Nearby Flood Claims | 2 (1998–2010) |
| Most Recent Claim | Jan 2010 · 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.
Wildfire risk around 404 Providence Rd is low, with less than 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 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 341 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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