4309 Surf Ave, Chesapeake, VA 23325 Property Records

Chesapeake City property record for 4309 Surf Ave, Chesapeake, VA 23325

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,728 sqft · built 1955
Lot Size	0.437 acres (19,036 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,899 (2025)
Deeds & Mortgages	May 2011 Mortgage Jan 2008 Second Mortgage + 3 more
APN	`0133008000260`

Property Details

APN / Parcel Number

Primary APN	`0133008000260`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,488 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,036 sqft (0.437 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	336 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4309 SURF AVE
City	CHESAPEAKE
State	VA
Zip	23325-2529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	26,27 POWHATAN HGTS
Legal Subdivision	POWHATAN HEIGHTS, INDIAN RIVER, ELIZABET
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1021
Census Tract	20001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 2, 2011	Deed of Trust, Mortgage · VA Mortgage MCLEAN MORTGAGE CORPORATI
Jan 30, 2008	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Jun 29, 2012	Deed of Trust, Mortgage · VA Mortgage JPMORGAN CHASE BANK NA
Apr 20, 2026	Deed of Trust, Mortgage · VA Mortgage INDEPENDENT HOME LOANS
Jan 22, 2026	Gift Deed, Transfer · VA Mortgage INDEPENDENCE HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 19, 2026
Transfer Doc	0000001804
Record Updated	Oct 29, 2026

May 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008390/681
Date	May 2, 2011
Book Page	8390/681

Lender

Name	MCLEAN MORTGAGE CORPORATI

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007357/209
Date	Jan 30, 2008
Book Page	7357/209

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2015

Interest

Rate Type	Fixed Rate

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008743/810
Date	Jun 29, 2012
Book Page	8743/810

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Feb 1, 2042

Interest

Rate Type	Fixed Rate
Rate	4.38%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 20, 2026
Property Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Document Number	0000009787
Book / Page	10969 / 157
Instrument Date	Jan 30, 2026
Instrument	20269787
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009787,
Date	Apr 20, 2026
Book Page	10969/157
Instrument	20269787

Lender

Name	INDEPENDENT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.15%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jan 22, 2026
Property Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529
Document Number	10937/1513
Book / Page	10937 / 1513
Map Reference	MB 35 PG 56
Instrument Date	Jan 19, 2026
Instrument	260001804
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4309 SURF AVE, CHESAPEAKE, VA 23325-2529

Mortgage

Document Number	0260009787
Date	Jan 22, 2026
Instrument	260009787

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Mar 1, 2056

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		$304,200 (+5.99%) Land $141,800 Building $162,400	$304,200 (+5.99%) Land $141,800 Building $162,400
2025	$2,899.00 (+6.86%)	$287,000 (+10.51%) Land $131,300 Building $155,700	$287,000 (+10.51%) Land $131,300 Building $155,700
2024	$2,713.00 (+19.94%)
2023		$259,700 (+9.86%) Land $110,300 Building $149,400	$259,700 (+9.86%) Land $110,300 Building $149,400
2022		$236,400 Land $99,800 Building $136,600	$236,400 Land $99,800 Building $136,600
2019	$2,262.00

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 67 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	22 (1988–2019)
Claims Outside the SFHA	10 of 22
Most Recent Claim	Aug 2019 · other causes
Claims by Event	Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 7 claims Hurricane Isabel, Sep 2003 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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	Not rated no burnable land within ember reach

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
Also Mapped Here	CITY OF VIRGINIA BEACH
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 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Surf Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures