409 Graphite Trl, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 409 Graphite Trl, Chesapeake, VA 23320

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,436 sqft · built 2020
Lot Size	0.272 acres (11,848 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,702 (Feb 2020)
Tax Bill	$7,193 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Refinance + 2 more
APN	`0394002000570`

Property Details

APN / Parcel Number

Primary APN	`0394002000570`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,436 sqft Living Area
1st Floor Area	1,457 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,848 sqft (0.272 acres)
Garage Type	Attached
Garage Area	465 sqft
Pool Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 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	57 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 August 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	21949 WINDOVER DR, BROADLANDS, VA 20148-4584
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Mar 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TIDEWATER HOME FUNDING LLC
Feb 6, 2020	Warranty Deed, Transfer · VA Mortgage TIDEWATER HOME FUNDING LLC
Aug 5, 2019	Warranty Deed, Transfer NOT AVAILABLE, 1ST COMMONWEALTH TITLE&STLMT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2020 · Amount on Record
Deed Sale	Feb 6, 2020 · Amount on Record
Prior Sale	Aug 5, 2019 · Amount on Record
Deed Document Number	20203995
Deed Book / Page	10110 / 874
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 28, 2026
Property Address	409 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Document Number	0000019424
Book / Page	11005 / 1886
Instrument Date	Jul 21, 2026
Instrument	202619424
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18436 PARK MOUNTAIN DR, RIVERSIDE, CA 92508-8054

Mortgage

Document Number	0000019424,
Date	Jul 28, 2026
Book Page	11005/1886
Instrument	202619424

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	9%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	409 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010323/942
Date	Mar 4, 2021
Book Page	10323/942
Instrument	210010007

Lender

Name	TIDEWATER HOME FUNDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Feb 6, 2020
Property Address	409 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Document Number	010110/874
Book / Page	10110 / 874
Instrument Date	Feb 3, 2020
Instrument	200003995
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	NOT AVAILABLE, 1ST COMMONWEALTH TITLE&STLMT

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	409 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449

Mortgage

Document Number	0200003996
Date	Feb 6, 2020
Instrument	200003996

Lender

Name	TIDEWATER HOME FUNDING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 5, 2019
Property Address	409 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Document Number	10040/1031
Book / Page	10040 / 1031
Instrument Date	Jul 30, 2019
Instrument	190020093
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	NOT AVAILABLE, 1ST COMMONWEALTH TITLE&STLMT

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 PERIMETER PKWY STE 403, 403, VIRGINIA BEACH, VA 23454-5698
Investor	Possibly a Property Investor

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	$7,193.00 (+426.96%)	$712,200 (+10.21%) Land $185,000 Building $527,200	$712,200 (+10.21%) Land $185,000 Building $527,200
2023		$646,200 (+8.31%) Land $175,000 Building $471,200	$646,200 (+8.31%) Land $175,000 Building $471,200
2022		$596,600 Land $150,000 Building $446,600	$596,600 Land $150,000 Building $446,600
2019	$1,365.00

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

Nearby Properties on Graphite Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures