413 Saddle Ct, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 413 Saddle Ct, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,903 sqft · built 1992
Lot Size	0.345 acres (15,028 sqft)
Owner	Trust Name on Record
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Jul 2021 Refinance
APN	`0441005000320`

Property Details

APN / Parcel Number

Primary APN	`0441005000320`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,903 sqft Living Area
1st Floor Area	684 sqft
Upper Floors Area	750 sqft
Attic	Attic
Attic Area	478 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,028 sqft (0.345 acres)
Lot Dimensions	168 ft deep x 107 ft wide
Garage Type	Attached
Garage Area	478 sqft

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	240 sqft
Balcony Area	66 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	413 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	32 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

Owner

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	Trust Name on Record
Mailing Address	715 13TH ST, VIRGINIA BEACH, VA 23451-4316
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 8, 2024
Transfer Doc	10764/1750
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 19, 2021
Property Address	413 SADDLE CT, CHESAPEAKE, VA 23323-1155
Document Number	10410/1481
Book / Page	10410 / 1481
Instrument Date	Jun 22, 2021
Instrument	210032746
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 13TH ST, VIRGINIA BEACH, VA 23451-4316
Investor	Possibly a Property Investor

Mortgage

Document Number	10410/1486
Date	Jul 19, 2021
Book Page	10410/1486
Instrument	210032747

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3.13%

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of October 13, 2026

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
2026		$394,900 (+1.31%) Land $160,000 Building $234,900	$394,900 (+1.31%) Land $160,000 Building $234,900
2025	$3,937.00 (+1.73%)	$389,800 (+8.16%) Land $150,000 Building $239,800	$389,800 (+8.16%) Land $150,000 Building $239,800
2024	$3,870.00 (+36.75%)
2023		$360,400 (+8.29%) Land $130,000 Building $230,400	$360,400 (+8.29%) Land $130,000 Building $230,400
2022		$332,800 Land $120,000 Building $212,800	$332,800 Land $120,000 Building $212,800
2019	$2,830.00

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 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	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Isabel, Sep 2003 · 2 claims

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	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.

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 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