435 Whitfield Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 435 Whitfield Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,721 sqft · built 1993
Lot Size	5.25 acres (228,690 sqft)
Owner	Individual Name on File
Tax Bill	$6,658 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`29-A-192`

Property Details

APN / Parcel Number

Primary APN	`29-A-192`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,721 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	228,690 sqft (5.25 acres)
Garage Type	Attached
Garage Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	435 WHITFIELD RD
City	CARDINAL
State	VA
Zip	23025-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 248-248 PB 25-2
Legal Lot Number	192
Jurisdiction	MATHEWS VA
Township / Civil Division	WESTVILLE
Census Block Group	2
Census Block	2002
Census Tract	951401

Owner

435 Whitfield Rd is owned by an individual who acquired it in February 2009.

Source: Mathews County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	1209 ESSEX AVE, HENRICO, VA 23229-6513
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORP
Jun 9, 2020	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 18, 2009
Transfer Doc	0000000317
Record Updated	Sep 20, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	Aug 18, 2023
Property Address	435 WHITFIELD RD, CARDINAL, VA 23025-2021
Document Number	0230001012
Map Reference	CAB 1 SL 53 HNGR 528
Instrument Date	Aug 9, 2023
Instrument	230001012
Transaction Type	Transfer
Record Updated	Sep 6, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$799.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1209 ESSEX AVE, RICHMOND, VA 23229-6513

Mortgage

Document Number	0230001013
Date	Aug 18, 2023
Instrument	230001013

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	85 Months
Due	Sep 1, 2030

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	435 WHITFIELD RD, CARDINAL, VA 23025-2021
Transaction Type	Mortgage
Record Updated	Jun 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000744
Date	Jun 9, 2020
Instrument	200000744

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 435 Whitfield Rd was $6,658.

Source: Mathews County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Mathews County
Unified School District	Mathews County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,658.00	$1,073,900 Land $381,300 Building $692,600
2025	$6,658.00
2023	$6,013.00	$1,073,900 Land $381,300 Building $692,600	$1,073,900 Land $381,300 Building $692,600

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

Flood

FEMA maps place 435 Whitfield Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 29, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 184 policies
Nearby Flood Policies	184 in force
Nearby Flood Claims	11 (2003–2019)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Oct 2019 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 5 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

Wildfire risk around 435 Whitfield Rd 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	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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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