432 Benefit Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 432 Benefit Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,414 sqft · built 2003
Lot Size	3.77 acres (164,526 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Apr 2004)
Tax Bill	$9,260 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Refinance + 2 more
APN	`0850000001210`

Property Details

APN / Parcel Number

Primary APN	`0850000001210`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,414 sqft Living Area
1st Floor Area	2,218 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	164,526 sqft (3.77 acres)
Lot Dimensions	190 ft deep x 9 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	156 sqft
Deck Area	864 sqft
Patio Area	784 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	432 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 2 SUBD OF JANE C STUART-TURMAN PROP 3.7773AC
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 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	432 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Aug 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Jan 6, 2020	Deed of Trust, Mortgage · VA Mortgage CAPITAL CENTER LLC
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2004 · Amount on Record
Deed Sale	Apr 12, 2004 · Amount on Record
Deed Book / Page	5368 / 774
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Sep 22, 2026
Property Address	432 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Document Number	0000024471
Book / Page	11024 / 1854
Instrument Date	Sep 15, 2026
Instrument	202624471
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	432 BENEFIT RD, CHESAPEAKE, VA 23322-2327

Mortgage

Document Number	0000024471,
Date	Sep 22, 2026
Book Page	11024/1854
Instrument	202624471

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	432 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010685/647
Date	Aug 8, 2023
Book Page	10685/647
Instrument	230016756

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	432 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010098/416
Date	Jan 6, 2020
Book Page	10098/416
Instrument	200000272

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	432 BENEFIT RD, CHESAPEAKE, VA 23322-2327
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10330/1249
Date	Mar 15, 2021
Book Page	10330/1249
Instrument	210011729

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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		$926,800 (+1.09%) Land $272,600 Building $654,200	$926,800 (+1.09%) Land $272,600 Building $654,200
2025	$9,260.00 (+52.65%)	$916,800 (+17.31%) Land $241,600 Building $675,200	$916,800 (+17.31%) Land $241,600 Building $675,200
2023		$781,500 (+6.82%) Land $191,600 Building $589,900	$781,500 (+6.82%) Land $191,600 Building $589,900
2022		$731,600 Land $171,600 Building $560,000	$731,600 Land $171,600 Building $560,000
2019	$6,066.00

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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