Chesapeake City property record for 409 Rio Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,104 sqft · built 1989 |
| Lot Size | 0.467 acres (20,343 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,000 (Jul 1999) |
| Tax Bill | $4,939 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Nov 2011 Mortgage + 5 more |
| APN | 0584001000740 |
| Primary APN | 0584001000740 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,104 sqft Living Area |
| 1st Floor Area | 2,104 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 20,343 sqft (0.467 acres) |
| Lot Dimensions | 357 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 880 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 470 sqft |
| Deck Area | Deck Area |
| Patio Area | 250 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 RIO DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 74 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 |
409 Rio Dr is owned and occupied by two individuals who bought it in July 1999.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| 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 25, 2020 | Deed of Trust, Mortgage · Line of Credit ABNB FEDERAL CREDIT UNION |
| Nov 30, 2011 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY MORTGAGE COMPA |
| Sep 4, 2008 | Deed of Trust, Mortgage · Conventional Mortgage AMPHIBIOUS BASE NAVAL BAS |
| Mar 14, 2008 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 14, 2007 | Deed of Trust, Mortgage WACHOVIA BANK NATIONAL AS |
| Nov 3, 2006 | Deed of Trust, Mortgage WACHOVIA BANK NATIONAL AS |
| Jan 27, 2009 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY MORTGAGE COMPA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 1999 · Amount on File |
| Deed Sale | Jul 30, 1999 · Amount on File |
| Deed Book / Page | 3937 / 209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10206/1303 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 10206/1303 |
| Instrument | 200029651 |
| Name | ABNB FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Aug 24, 2032 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0008547/21 |
|---|---|
| Date | Nov 30, 2011 |
| Book Page | 8547/21 |
| Name | PROSPERITY MORTGAGE COMPA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2021 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007595/460 |
|---|---|
| Date | Sep 4, 2008 |
| Book Page | 7595/460 |
| Name | AMPHIBIOUS BASE NAVAL BAS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Jul 28, 2028 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007416/577 |
|---|---|
| Date | Mar 14, 2008 |
| Book Page | 7416/577 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 118 Months |
| Due | Jan 1, 2018 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007075/210 |
|---|---|
| Date | May 14, 2007 |
| Book Page | 7075/210 |
| Name | WACHOVIA BANK NATIONAL AS |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | May 16, 2022 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006817/419 |
|---|---|
| Date | Nov 3, 2006 |
| Book Page | 6817/419 |
| Name | WACHOVIA BANK NATIONAL AS |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 83 Months |
| Due | Oct 15, 2013 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 409 RIO DR, CHESAPEAKE, VA 23322-7144 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007693/317 |
|---|---|
| Date | Jan 27, 2009 |
| Book Page | 7693/317 |
| Name | PROSPERITY MORTGAGE COMPA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2024 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.88% |
The 2025 property tax bill for 409 Rio Dr was $4,939.
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 | $513,900 (+5.09%) Land $225,000 Building $288,900 | $513,900 (+5.09%) Land $225,000 Building $288,900 | |
| 2025 | $4,939.00 | $489,000 Land $205,000 Building $284,000 | $489,000 Land $205,000 Building $284,000 |
| 2023 | $447,900 Land $165,000 Building $282,900 | $447,900 Land $165,000 Building $282,900 | |
| 2019 | $3,418.00 |
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 Rio Dr; there have been 1 flood claim nearby since 2016.
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 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.
Wildfire risk around 409 Rio Dr 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 | 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 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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