405 Graphite Trl, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 405 Graphite Trl, Chesapeake, VA 23320

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,603 sqft · built 2018
Lot Size	0.286 acres (12,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,125 (May 2018)
Tax Bill	$6,286 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2020 Refinance + 2 more
APN	`0394002000560`

Property Details

APN / Parcel Number

Primary APN	`0394002000560`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,603 sqft Living Area
1st Floor Area	1,091 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,458 sqft (0.286 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed 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	405 GRAPHITE TRL
City	CHESAPEAKE
State	VA
Zip	23320-3449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	56 FIELDSTONE PH 3
Legal Subdivision	FIELDSTONE
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	5
Census Block	5007
Census Tract	20804

Owner

Source: Chesapeake City records, as of May 27, 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 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2020	Deed of Trust, Mortgage · VA Mortgage TIDEWATER MORTGAGE SERVICES INC
Nov 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TIDEWATER MORTGAGE SERVICES INC
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 15, 2018	Warranty Deed, Transfer · VA Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Deed Document Number	201812367
Deed Book / Page	9912 / 1136
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	405 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010120/777
Date	Mar 4, 2020
Book Page	10120/777
Instrument	200006972

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	405 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10258/1564
Date	Nov 18, 2020
Book Page	10258/1564
Instrument	200043347

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	405 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010021/55
Date	Jun 12, 2019
Book Page	10021/55
Instrument	190014162

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 15, 2018
Property Address	405 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Document Number	9912/1136
Book / Page	9912 / 1136
Instrument Date	Apr 18, 2018
Instrument	180012367
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449

Mortgage

Document Number	180012368
Date	May 15, 2018
Instrument	180012368

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of August 25, 2025

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
2025	$6,286.00 (+40.41%)	$622,400 (+9.81%) Land $185,000 Building $437,400	$622,400 (+9.81%) Land $185,000 Building $437,400
2023		$566,800 (+9.1%) Land $175,000 Building $391,800	$566,800 (+9.1%) Land $175,000 Building $391,800
2022		$519,500 Land $150,000 Building $369,500	$519,500 Land $150,000 Building $369,500
2019	$4,477.00

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 100 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 units insured incl. 2 condo units
Nearby Flood Claims	2 (2011–2016)
Most Recent Claim	Jan 2016 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 92% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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