470 Osprey Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 470 Osprey Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,147 sqft · built 2005
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,807 (2026)
Deeds & Mortgages	Apr 2026 Transfer Jan 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-A-190A`

Property Details

APN / Parcel Number

Primary APN	`29-A-190A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,147 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Split Level
Roof Type	Gable
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Attached
Garage Area	637 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	470 OSPREY RD
City	CARDINAL
State	VA
Zip	23025-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.6 ACRES
Legal Lot Number	190A
Jurisdiction	MATHEWS VA
Township / Civil Division	WESTVILLE
Census Block Group	2
Census Block	2002
Census Tract	951401

Owner

470 Osprey Rd is owner-occupied and held in a trust since April 2008.

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

Owner of Record	2 Trust Names on File
Mailing Address	470 OSPREY RD, CARDINAL, VA 23025-2011
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Apr 23, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Jan 3, 2024	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Jan 3, 2024	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 3, 2008
Transfer Doc	0000000645
Record Updated	Sep 20, 2026

April 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MATHEWS VA
Recording Date	Apr 23, 2026
Property Address	470 OSPREY RD, CARDINAL, VA 23025-2011
Document Number	0000000508
Instrument Date	Apr 7, 2026
Instrument	2026508
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	470 OSPREY RD, CARDINAL, VA 23025-2011

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	470 OSPREY RD, CARDINAL, VA 23025-2011
Transaction Type	Mortgage
Record Updated	Mar 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 OSPREY RD, CARDINAL, VA 23025-2011

Mortgage

Document Number	0240000007
Date	Jan 3, 2024
Instrument	240000007

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

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	470 OSPREY RD, CARDINAL, VA 23025-2011
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 OSPREY RD, CARDINAL, VA 23025-2011

Mortgage

Document Number	0240000007
Date	Jan 3, 2024
Instrument	240000007

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 470 Osprey Rd was $3,807, up % from the year before.

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	$3,807.00 (+0.03%)	$614,000 (-) Land $202,000 Building $412,000
2025	$3,806.00	$614,000 Land $202,000 Building $412,000
2023	$3,235.00	$577,800 Land $202,000 Building $375,800	$614,000 Land $202,000 Building $412,000

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

Flood

FEMA maps place 470 Osprey Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 470 Osprey Rd is low, with a 0.01% annual chance of 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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