405 Cairns Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 405 Cairns Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,177 sqft · built 2020
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$528,281 (Aug 2020)
Tax Bill	$7,453 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
APN	`0851004000920`

Property Details

APN / Parcel Number

Primary APN	`0851004000920`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,177 sqft Living Area
1st Floor Area	1,367 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,015 sqft (0.184 acres)
Garage Type	Attached
Garage Area	464 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 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	92 HICKORY LANDING PH 2
Legal Subdivision	HICKORY LANDING
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1092
Census Tract	21004

Owner

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	405 CAIRNS RD, CHESAPEAKE, VA 23322-4469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Deed Document Number	202028220
Deed Book / Page	10201 / 27
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 17, 2020
Property Address	405 CAIRNS RD, CHESAPEAKE, VA 23322-4469
Document Number	10201/27
Book / Page	10201 / 27
Instrument Date	Aug 14, 2020
Instrument	200028220
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CAIRNS RD, CHESAPEAKE, VA 23322-4469

Mortgage

Document Number	200028223
Date	Aug 17, 2020
Instrument	200028223

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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		$706,900 (-4.2%) Land $235,000 Building $471,900	$706,900 (-4.2%) Land $235,000 Building $471,900
2025	$7,453.00 (+373.21%)	$737,900 (+8.71%) Land $215,000 Building $522,900	$737,900 (+8.71%) Land $215,000 Building $522,900
2023		$678,800 (+16.19%) Land $180,000 Building $498,800	$678,800 (+16.19%) Land $180,000 Building $498,800
2022		$584,200 Land $165,000 Building $419,200	$584,200 Land $165,000 Building $419,200
2019	$1,575.00

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 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	Hurricane Matthew, Oct 2016 · 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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 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