404 Saddle Ct, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 404 Saddle Ct, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,047 sqft · built 1991
Lot Size	0.344 acres (14,985 sqft)
Owner	Trust Name on Record
Tax Bill	$4,022 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
APN	`0441005000470`

Property Details

APN / Parcel Number

Primary APN	`0441005000470`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,047 sqft Living Area
1st Floor Area	832 sqft
Upper Floors Area	832 sqft
Attic	Attic
Attic Area	368 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	368 sqft

Exterior Amenities

Porch	Slab
Porch Area	328 sqft
Deck Area	546 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 SADDLE CT
City	CHESAPEAKE
State	VA
Zip	23323-1153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	47 ELMWOOD LANDING WEST
Legal Subdivision	ELMWOOD LANDING,ELMWOOD LANDING WEST
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3002
Census Tract	21301

Owner

Source: Chesapeake City records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on Record
Mailing Address	404 SADDLE CT, CHESAPEAKE, VA 23323-1153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 20, 2025
Transfer Doc	0000013044
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	404 SADDLE CT, CHESAPEAKE, VA 23323-1153
Transaction Type	Mortgage
Record Updated	Jun 30, 2022
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09845/1211
Date	Oct 17, 2017
Book Page	9845/1211
Instrument	170028820

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$402,000 (+0.95%) Land $160,000 Building $242,000	$402,000 (+0.95%) Land $160,000 Building $242,000
2025	$4,022.00 (+36.57%)	$398,200 (+8%) Land $150,000 Building $248,200	$398,200 (+8%) Land $150,000 Building $248,200
2023		$368,700 (+8.19%) Land $130,000 Building $238,700	$368,700 (+8.19%) Land $130,000 Building $238,700
2022		$340,800 Land $120,000 Building $220,800	$340,800 Land $120,000 Building $220,800
2019	$2,945.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 73 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	9 (1999–2024)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Isabel, Sep 2003 · 2 claims

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

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 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