420 Benefit Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 420 Benefit Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,551 sqft · built 2010
Lot Size	4.07 acres (177,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Mar 2013)
Tax Bill	$11,883 (2025)
Deeds & Mortgages	Oct 2021 Refinance Sep 2022 Mortgage + 4 more
APN	`0850000000190`

Property Details

APN / Parcel Number

Primary APN	`0850000000190`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,551 sqft Living Area
1st Floor Area	1,183 sqft
Attic	Attic
Attic Area	778 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	177,463 sqft (4.07 acres)
Lot Dimensions	70 ft deep x 122 ft wide
Garage Type	Attached
Garage Area	16 sqft

Exterior Amenities

Porch	Slab
Porch Area	741 sqft
Patio Area	60 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 BENEFIT RD
City	CHESAPEAKE
State	VA
Zip	23322-2327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1: AGRICU
Legal Description	LOT 5 SUBD OF JANE C STUART-TURMAN PROP 4.0741AC
Legal Subdivision	WHOLE MAP 085/SIR RALEIGH ESTATES
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1015
Census Tract	21009

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	2 Individual Names on Record
Mailing Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE OLD POINT NATIONAL BANK OF PHOEBUS
Sep 23, 2022	Deed of Trust, Mortgage · Unknown THE OLD POINT NATIONAL BANK OF PHOEBUS
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK & TRUST CO
Aug 12, 2010	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Jul 19, 2012	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE
Jul 2, 2009	Warranty Deed, Construction Loan · Construction Mortgage TOWNE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2013 · Amount on Record
Deed Sale	Mar 28, 2013 · Amount on Record
Prior Sale	Jul 2, 2009 · Amount on Record
Deed Book / Page	9022 / 219
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010465/346
Date	Oct 19, 2021
Book Page	10465/346
Instrument	210047272

Lender

Name	THE OLD POINT NATIONAL BANK OF PHOEBUS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.88%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10603/1013
Date	Sep 23, 2022
Book Page	10603/1013
Instrument	220029692

Lender

Name	THE OLD POINT NATIONAL BANK OF PHOEBUS

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327

Mortgage

Document Number	010897/747
Date	Sep 23, 2025
Book Page	10897/747
Instrument	250021977

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank
Address	CHESAPEAKE, VA 23320

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008182/679
Date	Aug 12, 2010
Book Page	8182/679

Lender

Name	TOWNEBANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008758/816
Date	Jul 19, 2012
Book Page	8758/816

Lender

Name	TOWNE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2042

Interest

Rate Type	Fixed Rate

July 2009: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 2, 2009
Property Address	420 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Document Number	007863/185
Book / Page	7863 / 185
Instrument Date	Jun 30, 2009
Transaction Type	Construction Loan
Record Updated	May 8, 2026

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

Mortgage

Document Number	0007863188
Date	Jul 2, 2009
Instrument	7863/188

Lender

Name	TOWNE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$1,266,700 (+7.67%) Land $275,500 Building $991,200	$1,266,700 (+7.67%) Land $275,500 Building $991,200
2025	$11,883.00 (+41.72%)	$1,176,500 (+14.15%) Land $244,100 Building $932,400	$1,176,500 (+14.15%) Land $244,100 Building $932,400
2023		$1,030,700 (+9.2%) Land $194,100 Building $836,600	$1,030,700 (+9.2%) Land $194,100 Building $836,600
2022		$943,900 Land $174,100 Building $769,800	$943,900 Land $174,100 Building $769,800
2019	$8,385.00

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 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	10 (1999–2025)
Claims Outside the SFHA	10 of 10
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 3 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile.

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