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432 Graphite Trl, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 432 Graphite Trl, Chesapeake, VA 23320

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,098 sqft · built 2018
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on File
Last Sale$485,888 (Sep 2018)
Tax Bill$6,542 (2025)
Deeds & MortgagesSep 2019 Mortgage
Feb 2021 Refinance
+ 2 more
APN0394002001520

Property Details

APN / Parcel Number

Primary APN0394002001520

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,098 sqft Living Area
1st Floor Area1,864 sqft

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,019 sqft (0.23 acres)
Garage TypeAttached
Garage Area544 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address432 GRAPHITE TRL
CityCHESAPEAKE
StateVA
Zip23320-3449
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10S: RESI
Legal Description152 FIELDSTONE PH 3
Legal SubdivisionFIELDSTONE
JurisdictionCHESAPEAKE CITY VA
Township / Civil DivisionCHESAPEAKE
Census Block Group5
Census Block5008
Census Tract20804

Owner

Source: Chesapeake City records · APN 0394002001520

Assessment roll updated August 25, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address432 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2019Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORPORATION
Feb 17, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
FREEDOM MORTGAGE CORPORATION
Sep 21, 2018Warranty Deed, Transfer · Conventional Mortgage
TOWNEBANK MORTGAGE
Feb 22, 2018Warranty Deed, Construction Loan · Construction Mortgage
TOWNEBANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 21, 2018 · Amount on Record
Deed SaleSep 21, 2018 · Amount on Record
Prior SaleFeb 22, 2018 · Amount on Record
Deed Document Number201825305
Deed Book / Page9953 / 1656
Prior Transfer DateFeb 19, 2018
Prior Transfer Doc00009886/5
Record UpdatedSep 20, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHESAPEAKE CITY VA
Property Address432 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Transaction TypeMortgage
Record UpdatedSep 06, 2022
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number10053/1985
DateSep 10, 2019
Book Page10053/1985
Instrument190024168
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049
Interest
Rate TypeFixed Rate

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHESAPEAKE CITY VA
Property Address432 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Transaction TypeMortgage
Record UpdatedSep 06, 2022
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number010313/671
DateFeb 17, 2021
Book Page10313/671
Instrument210007522
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueMar 01, 2051
Interest
Rate TypeFixed Rate

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateSep 21, 2018
Property Address432 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Document Number09953/1656
Book / Page9953 / 1656
Instrument DateSep 10, 2018
Instrument180025305
Transaction TypeTransfer
Record UpdatedSep 06, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449

Mortgage

Document Number0180025306
DateSep 21, 2018
Instrument180025306
Lender
NameTOWNEBANK MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

February 2018: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateFeb 22, 2018
Property Address432 GRAPHITE TRL, CHESAPEAKE, VA 23320-3449
Document Number00009886/5
Book / Page9886 / 5
Instrument DateFeb 19, 2018
Instrument180004607
Transaction TypeConstruction Loan
Record UpdatedSep 06, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 6897, VIRGINIA BEACH, VA 23456-0897

Mortgage

Document Number0180004608
DateFeb 22, 2018
Instrument180004608
Lender
NameTOWNEBANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Chesapeake City records · Assessment roll updated August 25, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateVirginia
MunicipalityChesapeake City
Unified School DistrictChesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$6,542.00 (+9.88%)$647,700 (+10.49%) Land $185,000 Building $462,700$647,700 (+10.49%) Land $185,000 Building $462,700
2024$5,954.00 (+28.04%)
2023$586,200 (+7.94%) Land $175,000 Building $411,200$586,200 (+7.94%) Land $175,000 Building $411,200
2022$543,100 Land $150,000 Building $393,100$543,100 Land $150,000 Building $393,100
2019$4,650.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneNot on file
Flood Insurance CostPremium on Record
median of 100 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies102 units insured
incl. 2 condo units
Nearby Flood Claims2 (2011–2016)
Most Recent ClaimJan 2016 · rainfall accumulation

Wildfire

Wildfire RiskModerate
above 52% of the US · above 80% of Virginia
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cox Communications
Fiber		2,000 / 35
Starlink
Satellite		280 / 30

Based on FCC filings for 213 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF CHESAPEAKE - NORTHWEST RIVER SYS
serves 165,240 people
Water SourceSurface water
Last State InspectionJun 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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