415 Saddle Ct, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 415 Saddle Ct, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,839 sqft · built 1988
Lot Size	0.571 acres (24,873 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Dec 2024)
Tax Bill	$3,922 (2025)
Deeds & Mortgages	Mar 2023 Refinance
APN	`0441005000330`

Property Details

APN / Parcel Number

Primary APN	`0441005000330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,839 sqft Living Area
1st Floor Area	1,649 sqft
Attic	Attic
Attic Area	294 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,873 sqft (0.571 acres)
Lot Dimensions	143 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Patio Area	472 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 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	33 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

415 Saddle Ct is owned and occupied by two individuals who bought it in December 2024.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	415 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Jul 17, 2007 · Amount on File
Deed Document Number	202425745
Deed Book / Page	10810 / 981
Prior Transfer Date	Jun 22, 2021
Prior Transfer Doc	0000029960
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	415 SADDLE CT, CHESAPEAKE, VA 23323-1155
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10648/1863
Date	Mar 28, 2023
Book Page	10648/1863
Instrument	230006107

Lender

Name	TOWNEBANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	420 Months
Due	Mar 23, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 415 Saddle Ct was $3,922, up 2.1% from the year before.

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		$395,900 (+1.96%) Land $160,000 Building $235,900	$395,900 (+1.96%) Land $160,000 Building $235,900
2025	$3,922.00 (+2.14%)	$388,300 Land $150,000 Building $238,300	$388,300 Land $150,000 Building $238,300
2024	$3,840.00
2023		$357,800 (+8.46%) Land $130,000 Building $227,800	$357,800 (+8.46%) Land $130,000 Building $227,800
2022		$329,900 Land $120,000 Building $209,900	$329,900 Land $120,000 Building $209,900
2019	$2,736.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 415 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	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

Wildfire risk around 415 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.

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