468 Osprey Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 468 Osprey Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,626 sqft · built 1900
Lot Size	6.8 acres (296,208 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (May 2022)
Tax Bill	$3,773 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`29-A-190`

Property Details

APN / Parcel Number

Primary APN	`29-A-190`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,626 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	296,208 sqft (6.8 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	468 OSPREY RD
City	CARDINAL
State	VA
Zip	23025-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AC 6.800 B 0000/
Legal Lot Number	190
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	468 OSPREY RD, CARDINAL, VA 23025-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
May 17, 2022	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Deed Document Number	2022822
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Recording Date	Sep 16, 2026
Property Address	468 OSPREY RD, CARDINAL, VA 23025-2011
Document Number	0000001188
Instrument Date	Aug 31, 2026
Instrument	20261188
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	468 OSPREY RD, CARDINAL, VA 23025-2011

Mortgage

Document Number	0000001188,
Date	Sep 16, 2026
Instrument	20261188

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	May 17, 2022
Property Address	468 OSPREY RD, CARDINAL, VA 23025-2011
Document Number	0220000822
Map Reference	MB 15 PG 70
Instrument Date	May 1, 2021
Instrument	220000822
Transaction Type	Transfer
Record Updated	Feb 13, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
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	468 OSPREY RD, CARDINAL, VA 23025-2011

Mortgage

Document Number	0220000823
Date	May 17, 2022
Instrument	220000823

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

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	$3,773.00	$608,600 (-) Land $341,000 Building $267,600
2025	$3,773.00 (+10.71%)
2023	$3,408.00	$608,600 Land $341,000 Building $267,600	$608,600 Land $341,000 Building $267,600

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 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 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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