Chesapeake City property record for 428 Gloria Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,846 sqft · built 1982 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $296,492 (Jul 2008) |
| Tax Bill | $4,202 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jun 2021 Refinance + 4 more |
| APN | 0608004000030 |
| Primary APN | 0608004000030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,846 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 |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | Deck Area |
| Patio Area | 165 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 GLORIA DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-3833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 39 ETHERIDGE MANOR SEC 2 |
| Legal Subdivision | ETHERIDGE MANOR/ETHERIDGE POINTE S |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 21012 |
428 Gloria Dr is owned and occupied by two individuals who bought it in July 2008.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| 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 |
|---|---|
| Jul 10, 2020 | Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK |
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Oct 12, 2006 | Deed of Trust, Mortgage · Line of Credit USAA FEDERAL SAVINGS BANK |
| Dec 30, 2010 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Feb 28, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAYPORT CREDIT UNION |
| Jul 26, 2008 | Warranty Deed, Transfer · FHA Mortgage WELLS FARGO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2008 · Amount on File |
| Deed Sale | Jul 26, 2008 · Amount on File |
| Prior Sale | Nov 15, 2002 · Amount on File |
| Deed Book / Page | 7561 / 179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 010179/239 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 10179/239 |
| Instrument | 200022645 |
| Name | ATLANTIC UNION BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 10393/1537 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 10393/1537 |
| Instrument | 210028109 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 006785/645 |
|---|---|
| Date | Oct 12, 2006 |
| Book Page | 6785/645 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2026 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 008299/388 |
|---|---|
| Date | Dec 30, 2010 |
| Book Page | 8299/388 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010830/133 |
|---|---|
| Date | Feb 28, 2025 |
| Book Page | 10830/133 |
| Instrument | 250004021 |
| Name | BAYPORT CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Feb 28, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 26, 2008 |
| Property Address | 428 GLORIA DR, CHESAPEAKE, VA 23322-3833 |
| Document Number | 007561/179 |
| Book / Page | 7561 / 179 |
| Instrument Date | May 19, 2008 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0007561182 |
|---|---|
| Date | Jul 26, 2008 |
| Instrument | 7561/182 |
| Name | WELLS FARGO BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 428 Gloria Dr was $4,202.
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 | $448,400 (+7.79%) Land $210,000 Building $238,400 | $448,400 (+7.79%) Land $210,000 Building $238,400 | |
| 2025 | $4,202.00 | $416,000 Land $185,000 Building $231,000 | $416,000 Land $185,000 Building $231,000 |
| 2023 | $377,000 (+11.47%) Land $175,000 Building $202,000 | $377,000 (+11.47%) Land $175,000 Building $202,000 | |
| 2022 | $338,200 Land $145,000 Building $193,200 | $338,200 Land $145,000 Building $193,200 | |
| 2019 | $3,073.00 |
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 428 Gloria Dr; there have been 2 flood claims nearby since 1982.
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 21 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 2 (1982–2016) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 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 risk around 428 Gloria 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 | Direct burnable vegetation |
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 306 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 |
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