Chesapeake City property record for 407 Saddle Ct, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,180 sqft · built 1993 |
| Lot Size | 0.384 acres (16,727 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $327,000 (Oct 2019) |
| Tax Bill | $4,475 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2023 Second Mortgage + 2 more |
| APN | 0441005000300 |
| Primary APN | 0441005000300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,180 sqft Living Area |
| 1st Floor Area | 871 sqft |
| Upper Floors Area | 903 sqft |
| Attic | Attic |
| Attic Area | 414 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,727 sqft (0.384 acres) |
| Lot Dimensions | 169 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 228 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 407 SADDLE CT |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-1155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 30 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 |
407 Saddle Ct is owned and occupied by two individuals who acquired it in May 2021.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 1, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| May 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Oct 7, 2019 | Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2019 · Amount on File |
| Deed Sale | Oct 7, 2019 · Amount on File |
| Prior Sale | Jun 3, 2016 · Amount on File |
| Deed Document Number | 201927026 |
| Deed Book / Page | 10063 / 1803 |
| Last Transfer Date | May 12, 2021 |
| Transfer Doc | 0000022408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 21, 2026 |
| Property Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Document Number | 0000021818 |
| Book / Page | 11015 / 67 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 202621818 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Document Number | 0000021818, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 11015/67 |
| Instrument | 202621818 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 10641/1561 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | 10641/1561 |
| Instrument | 230004040 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2043 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 00010372/7 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 10372/7 |
| Instrument | 210022409 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 7, 2019 |
| Property Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Document Number | 10063/1803 |
| Book / Page | 10063 / 1803 |
| Instrument Date | Sep 28, 2019 |
| Instrument | 190027026 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 SADDLE CT, CHESAPEAKE, VA 23323-1155 |
| Document Number | 190027027 |
|---|---|
| Date | Oct 7, 2019 |
| Instrument | 190027027 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 407 Saddle Ct was $4,475, up 1.5% from the year before.
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 | $448,300 (+1.17%) Land $160,000 Building $288,300 | $448,300 (+1.17%) Land $160,000 Building $288,300 | |
| 2025 | $4,475.00 (+1.54%) | $443,100 Land $150,000 Building $293,100 | $443,100 Land $150,000 Building $293,100 |
| 2024 | $4,407.00 | ||
| 2023 | $412,600 (+8.21%) Land $130,000 Building $282,600 | $412,600 (+8.21%) Land $130,000 Building $282,600 | |
| 2022 | $381,300 Land $120,000 Building $261,300 | $381,300 Land $120,000 Building $261,300 | |
| 2019 | $3,155.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 407 Saddle Ct; there have been 9 flood claims nearby since 1999.
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 File 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 |
|
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 risk around 407 Saddle Ct is low, with a 0.01% annual chance of 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.
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 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 |
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