Chesapeake City property record for 449 E Lake Cir, Chesapeake, VA 23322
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 1,025 sqft · built 1988 |
| Lot Size | 0.043 acres (555 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $214,900 (Mar 2024) |
| Tax Bill | $2,286 (2025) |
| Deeds & Mortgages | Jan 2010 Mortgage Feb 2026 Mortgage + 1 more |
| APN | 0595002000500 |
| Primary APN | 0595002000500 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,025 sqft Living Area |
| 1st Floor Area | 1,025 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 555 sqft (0.043 acres) |
| Deck Area | 1,025 sqft |
| Patio Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 449 E LAKE CIR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-8320 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RMF1: MULT |
| Legal Description | UNIT 449 CEDAR LAKES CONDO BLDG 7 PH V |
| Legal Subdivision | CEDAR LAKES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 21010 |
Source: Chesapeake City assessment roll, APN 0595002000500, as of August 25, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 449 E LAKE CIR, CHESAPEAKE, VA 23322-8320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2010 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 03, 2026 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Mar 20, 2024 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 2024 · Amount on Record |
| Deed Sale | Mar 20, 2024 · Amount on Record |
| Prior Sale | Jun 16, 2006 · Amount on Record |
| Deed Document Number | 20245272 |
| Deed Book / Page | 10734 / 1894 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 449 E LAKE CIR, CHESAPEAKE, VA 23322-8320 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008030/828 |
|---|---|
| Date | Jan 19, 2010 |
| Book Page | 8030/828 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2040 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 449 E LAKE CIR, CHESAPEAKE, VA 23322-8320 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 449 E LAKE CIR, CHESAPEAKE, VA 23322-8320 |
| Investor | Possibly a Property Investor |
| Document Number | 10940/1013 |
|---|---|
| Date | Feb 03, 2026 |
| Book Page | 10940/1013 |
| Instrument | 260002567 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 20, 2024 |
| Property Address | 449 E LAKE CIR, CHESAPEAKE, VA 23322-8320 |
| Document Number | 10734/1894 |
| Book / Page | 10734 / 1894 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 240005272 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 449 E LAKE CIR, CHESAPEAKE, VA 23322-8320 |
| Investor | Possibly a Property Investor |
| Document Number | 0240005273 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 240005273 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Chesapeake City assessment roll as of August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,286.00 (+13.67%) | $226,300 (+27.78%) Land $95,000 Building $131,300 | $226,300 (+27.78%) Land $95,000 Building $131,300 |
| 2024 | $2,011.00 (+53.28%) | ||
| 2023 | $177,100 (+9.19%) Land $75,000 Building $102,100 | $177,100 (+9.19%) Land $75,000 Building $102,100 | |
| 2022 | $162,200 Land $60,000 Building $102,200 | $162,200 Land $60,000 Building $102,200 | |
| 2019 | $1,312.00 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 515500210103, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 9 (1984–2024) |
| Claims Outside the SFHA | 7 of 9 |
| Most Recent Claim | Aug 2024 · rainfall accumulation |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, 482 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
Source: EPA Safe Drinking Water Information System, water system VA3550051, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people |
|---|---|
| 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 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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