Chesapeake City property record for 407 Preservation Reach, Chesapeake, VA 23320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,614 sqft · built 2004 |
| Lot Size | 0.247 acres (10,759 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (May 2026) |
| Tax Bill | $5,475 (2025) |
| Deeds & Mortgages | Sep 2020 Refinance Mar 2024 Second Mortgage + 5 more |
| APN | 0472019000720 |
| Primary APN | 0472019000720 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,614 sqft Living Area |
| 1st Floor Area | 585 sqft |
| Upper Floors Area | 585 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,759 sqft (0.247 acres) |
| Lot Dimensions | 173 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 336 sqft |
| Patio Area | 529 sqft |
| Balcony Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 407 PRESERVATION REACH |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23320-6992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD: PLANN |
| Legal Description | 72 THE PRESERVE ON THE ELIZABETH PH 1 |
| Legal Subdivision | THE PRESERVE ON THE ELIZABETH |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20907 |
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 | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SPRING EQ LLC |
| Mar 5, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 6, 2012 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORPORATI |
| Aug 15, 2006 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Mar 6, 2009 | Deed of Trust, Mortgage · Conventional Mortgage GB MORTGAGE LLC |
| May 21, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage AMERICAN HOME MORTGAGE ACCEPT |
| May 21, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage AMERICAN HOME MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | Oct 17, 2005 · Amount on Record |
| Deed Document Number | 202613000 |
| Deed Book / Page | 10981 / 1573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010223/341 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 10223/341 |
| Instrument | 200034115 |
| Name | SPRING EQ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010731/424 |
|---|---|
| Date | Mar 5, 2024 |
| Book Page | 10731/424 |
| Instrument | 240004178 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008870/829 |
|---|---|
| Date | Nov 6, 2012 |
| Book Page | 8870/829 |
| Name | NATIONS LENDING CORPORATI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006690/143 |
|---|---|
| Date | Aug 15, 2006 |
| Book Page | 6690/143 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jul 10, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007733/252 |
|---|---|
| Date | Mar 6, 2009 |
| Book Page | 7733/252 |
| Name | GB MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 21, 2026 |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Document Number | 0000013000 |
| Book / Page | 10981 / 1573 |
| Instrument Date | May 13, 2026 |
| Instrument | 202613000 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | TRUE NORTH TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $59,085.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Document Number | 0000013001, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202613001 |
| Name | AMERICAN HOME MORTGAGE ACCEPT |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 21, 2026 |
| Property Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Document Number | 10981/1573 |
| Book / Page | 10981 / 1573 |
| Instrument Date | May 13, 2026 |
| Instrument | 202613000 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | TRUE NORTH TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $59,085.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 407 PRESERVATION REACH, CHESAPEAKE, VA 23320-6992 |
| Document Number | 0000013001, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202613001 |
| Name | AMERICAN HOME MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $572,200 (+5.55%) Land $195,000 Building $377,200 | $572,200 (+5.55%) Land $195,000 Building $377,200 | |
| 2025 | $5,475.00 (+39.7%) | $542,100 (+8.55%) Land $185,000 Building $357,100 | $542,100 (+8.55%) Land $185,000 Building $357,100 |
| 2023 | $499,400 (+13.68%) Land $180,000 Building $319,400 | $499,400 (+13.68%) Land $180,000 Building $319,400 | |
| 2022 | $439,300 Land $150,000 Building $289,300 | $439,300 Land $150,000 Building $289,300 | |
| 2019 | $3,919.00 |
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 113 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 333 units insured incl. 220 condo units |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Jul 2014 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.5% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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