445 Whitfield Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 445 Whitfield Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,066 sqft · built 1957
Lot Size	3.7 acres (161,172 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Jun 2021)
Tax Bill	$3,306 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-A-193`

Property Details

APN / Parcel Number

Primary APN	`29-A-193`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,066 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Split Level
Roof Type	Gable
Roof Material	Asphalt
Lot Area	161,172 sqft (3.7 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	445 WHITFIELD RD
City	CARDINAL
State	VA
Zip	23025-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AC 3.700 0000/
Legal Lot Number	193
Jurisdiction	MATHEWS VA
Township / Civil Division	WESTVILLE
Census Block Group	2
Census Block	2002
Census Tract	951401

Owner

Source: Mathews County records, as of August 18, 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	Individual Name on Record
Mailing Address	445 WHITFIELD RD, CARDINAL, VA 23025-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Jul 21, 2017	Deed of Trust, Mortgage CHESAPEAKE BANK
Jul 21, 2017	Deed of Trust, Mortgage CHESAPEAKE BANK
Jun 17, 2019	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Sep 23, 2016 · Amount on Record
Deed Document Number	20211046
Record Updated	Sep 20, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	Jun 17, 2021
Property Address	445 WHITFIELD RD, CARDINAL, VA 23025-2021
Document Number	210001046
Map Reference	MB 22 PG 63
Instrument Date	May 24, 2021
Instrument	210001046
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	445 WHITFIELD RD, CARDINAL, VA 23025-2021

Mortgage

Document Number	210001047
Date	Jun 17, 2021
Instrument	210001047

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	445 WHITFIELD RD, CARDINAL, VA 23025-2021
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000908
Date	Jul 21, 2017
Instrument	170000908

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate	4.25%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	445 WHITFIELD RD, CARDINAL, VA 23025-2021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000908
Date	Jul 21, 2017
Instrument	170000908

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate	4.25%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	445 WHITFIELD RD, CARDINAL, VA 23025-2021
Transaction Type	Mortgage
Record Updated	Jun 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190000731
Date	Jun 17, 2019
Instrument	190000731

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,306.00 (+0.03%)	$533,200 (-) Land $257,400 Building $275,800
2025	$3,305.00 (+10.72%)
2023	$2,985.00	$533,200 Land $257,400 Building $275,800	$533,200 Land $257,400 Building $275,800

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, effective April 29, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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