Chesapeake City property record for 409 Cairns Rd, Chesapeake, VA 23322
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 4 bd · 2.5 ba · 2,547 sqft · built 2020 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Oct 2022) |
| Tax Bill | $6,773 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Feb 2022 Line of Credit + 1 more |
| APN | 0851004000900 |
| Primary APN | 0851004000900 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,547 sqft Total Area |
| 1st Floor Area | 1,168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,233 sqft (0.189 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 CAIRNS RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-4469 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | PUD: PLANN |
| Legal Description | 90 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 |
409 Cairns Rd is owned by two individuals who bought it in October 2022.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| 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 |
|---|---|
| Oct 7, 2022 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Feb 8, 2022 | Deed of Trust, Mortgage · Line of Credit CHARTWAY FEDERAL CREDIT UNION |
| Jan 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2022 · Amount on File |
| Deed Sale | Oct 7, 2022 · Amount on File |
| Prior Sale | Jan 26, 2021 · Amount on File |
| Deed Document Number | 202231003 |
| Deed Book / Page | 10607 / 1890 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 7, 2022 |
| Property Address | 409 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Document Number | 10607/1890 |
| Book / Page | 10607 / 1890 |
| Instrument Date | Oct 6, 2022 |
| Instrument | 220031003 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 409 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Investor | Possibly a Property Investor |
| Document Number | 0220031005 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 220031005 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 10518/1395 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | 10518/1395 |
| Instrument | 220004576 |
| Name | CHARTWAY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 3, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jan 26, 2021 |
| Property Address | 409 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Document Number | 10299/761 |
| Book / Page | 10299 / 761 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 210003831 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 409 CAIRNS RD, CHESAPEAKE, VA 23322-4469 |
| Document Number | 210003832 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 210003832 |
| Name | C&F MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 409 Cairns Rd was $6,773.
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 | $655,800 (-2.21%) Land $235,000 Building $420,800 | $655,800 (-2.21%) Land $235,000 Building $420,800 | |
| 2025 | $6,773.00 | $670,600 Land $215,000 Building $455,600 | $670,600 Land $215,000 Building $455,600 |
| 2023 | $614,300 Land $180,000 Building $434,300 | $614,300 Land $180,000 Building $434,300 | |
| 2019 | $1,575.00 |
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 409 Cairns Rd; there have been 3 flood claims nearby since 2005.
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 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 |
|
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 409 Cairns Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 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 |
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