Chesapeake City property record for 406 Rio Dr, Chesapeake, VA 23322
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 4 bd · 3 ba · 2,327 sqft · built 1988 |
| Lot Size | 0.445 acres (19,384 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $367,500 (Apr 2019) |
| Tax Bill | $3,553 (2020) |
| Deeds & Mortgages | Jan 2021 Refinance Apr 2020 Mortgage + 1 more |
| APN | 0584001000670 |
| Primary APN | 0584001000670 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,327 sqft Total Area |
| 1st Floor Area | 832 sqft |
| Upper Floors Area | 832 sqft |
| Attic | Attic |
| Attic Area | 374 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,384 sqft (0.445 acres) |
| Lot Dimensions | 213 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 88 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | 544 sqft |
| Patio Area | 777 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 406 RIO DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7144 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R10S: RESI |
| Legal Description | 67 LAS GAVIOTAS PH IV SEC THREE A |
| Legal Subdivision | LAS GAVIOTAS |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21016 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 406 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SAVINGS BANK |
| Apr 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage USAA FEDERAL SAVINGS BANK |
| Apr 15, 2019 | Warranty Deed, Transfer · VA Mortgage USAA FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2019 · Amount on Record |
| Deed Sale | Apr 15, 2019 · Amount on Record |
| Deed Document Number | 20198385 |
| Deed Book / Page | 10002 / 890 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 406 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 10296/1841 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 10296/1841 |
| Instrument | 210003187 |
| Name | FIRST SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 406 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010132/450 |
|---|---|
| Date | Apr 2, 2020 |
| Book Page | 10132/450 |
| Instrument | 200010310 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Apr 15, 2019 |
| Property Address | 406 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Document Number | 10002/890 |
| Book / Page | 10002 / 890 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 190008385 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | LIBERTY TITLE AND ESCROW LLC, LIBERTY TITLE & ESCR CO LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Document Number | 190008386 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 190008386 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $510,500 (+13.72%) Land $225,000 Building $285,500 | $510,500 (+13.72%) Land $225,000 Building $285,500 | |
| 2023 | $448,900 Land $165,000 Building $283,900 | $448,900 Land $165,000 Building $283,900 | |
| 2020 | $3,553.00 (+1.2%) | ||
| 2019 | $3,511.00 |
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 |
|---|---|
| Flood Insurance Cost | Premium on Record median of 109 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 109 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| 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 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.
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 367 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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