Chesapeake City property record for 431 Fall Ridge Ln, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,977 sqft · built 2002 |
| Lot Size | 0.348 acres (15,159 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $369,900 (Feb 2019) |
| Tax Bill | $5,926 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage May 2022 Second Mortgage + 4 more |
| APN | 0501002000640 |
| Primary APN | 0501002000640 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,977 sqft Living Area |
| 1st Floor Area | 888 sqft |
| Upper Floors Area | 1,245 sqft |
| Attic | Attic |
| Attic Area | 210 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,159 sqft (0.348 acres) |
| Lot Dimensions | 150 ft deep x 93 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Pool Area | 840 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Patio Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 431 FALL RIDGE LN |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-1261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | LOT 64 STRATFORD TERRACE SEC 1 |
| Legal Subdivision | STRATFORD TERRACE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21103 |
431 Fall Ridge Ln is owned and occupied by two individuals who bought it in February 2019.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| 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 |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| May 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Aug 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP |
| Sep 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Jun 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CONGRESSIONAL BANK |
| Feb 28, 2019 | Warranty Deed, Transfer · FHA Mortgage OVM FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2019 · Amount on File |
| Deed Sale | Feb 28, 2019 · Amount on File |
| Prior Sale | Jul 28, 2005 · Amount on File |
| Deed Document Number | 20194617 |
| Deed Book / Page | 9990 / 1821 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 10903/1928 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 10903/1928 |
| Instrument | 250023607 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 010558/457 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 10558/457 |
| Instrument | 220015966 |
| Name | DISCOVER BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 9, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10203/1905 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 10203/1905 |
| Instrument | 200028954 |
| Name | ROUNDPOINT MORTGAGE SERVICING CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010446/387 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 10446/387 |
| Instrument | 210042323 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RESOURCE R/E SERVICES, RESOURCE REAL EST SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 9793/868 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 9793/868 |
| Instrument | 170014730 |
| Name | CONGRESSIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Feb 28, 2019 |
| Property Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Document Number | 9990/1821 |
| Book / Page | 9990 / 1821 |
| Instrument Date | Feb 7, 2019 |
| Instrument | 190004617 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCE GUARANTY CO |
| 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 |
|---|---|
| Address | 431 FALL RIDGE LN, CHESAPEAKE, VA 23322-1261 |
| Document Number | 190004618 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 190004618 |
| Name | OVM FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 431 Fall Ridge Ln was $5,926.
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 | $614,200 (+4.69%) Land $210,000 Building $404,200 | $614,200 (+4.69%) Land $210,000 Building $404,200 | |
| 2025 | $5,926.00 | $586,700 Land $185,000 Building $401,700 | $586,700 Land $185,000 Building $401,700 |
| 2023 | $545,800 (+10.89%) Land $175,000 Building $370,800 | $545,800 (+10.89%) Land $175,000 Building $370,800 | |
| 2022 | $492,200 Land $150,000 Building $342,200 | $492,200 Land $150,000 Building $342,200 | |
| 2019 | $4,330.00 |
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 431 Fall Ridge Ln; there have been 2 flood claims nearby since 1994.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1994–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
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 431 Fall Ridge Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 56% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 82 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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