4905 Tern Ct, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 4905 Tern Ct, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,167 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Mar 2025)
Tax Bill	$5,300 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2009 Mortgage + 4 more
APN	`0153003000680`

Property Details

APN / Parcel Number

Primary APN	`0153003000680`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,167 sqft Living Area
1st Floor Area	1,416 sqft
Upper Floors Area	1,416 sqft
Attic	Attic
Attic Area	228 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	146 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	350 sqft
Deck Area	530 sqft
Patio Area	333 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4905 TERN CT
City	CHESAPEAKE
State	VA
Zip	23321-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	68 JOLLIFF WOODS SEC 4-B
Legal Subdivision	JOLLIFF WOODS
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	2
Census Block	2006
Census Tract	21507

Owner

4905 Tern Ct is owned and occupied by an individual who bought it in March 2025.

Source: Chesapeake City records, as of October 13, 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 File
Mailing Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE COMPANY
Dec 30, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE COMP
Sep 20, 2006	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE HOME LOANS IN
Jun 25, 2019	Warranty Deed, Transfer · VA Mortgage TOWNE MORTGAGE
Jun 5, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Jun 28, 2006	Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025 · Amount on File
Deed Sale	Mar 3, 2025 · Amount on File
Prior Sale	Jun 25, 2019 · Amount on File
Deed Document Number	20254193
Deed Book / Page	10830 / 1460
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10136/1652
Date	Apr 15, 2020
Book Page	10136/1652
Instrument	200011488

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008019/316
Date	Dec 30, 2009
Book Page	8019/316

Lender

Name	FIFTH THIRD MORTGAGE COMP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2039

Interest

Rate Type	Fixed Rate
Rate	5.5%

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006749/535
Date	Sep 20, 2006
Book Page	6749/535

Lender

Name	COUNTRYWIDE HOME LOANS IN

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 25, 2019
Property Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Document Number	10025/1229
Book / Page	10025 / 1229
Instrument Date	Jun 6, 2019
Instrument	190015580
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	BARRISTERS OF OHIO, BARRISTERS OF VIRGINIA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368

Mortgage

Document Number	190015581
Date	Jun 25, 2019
Instrument	190015581

Lender

Name	TOWNE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 5, 2017
Property Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Document Number	9794/1455
Book / Page	9794 / 1455
Instrument Date	May 31, 2017
Instrument	170015034
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368

Mortgage

Document Number	170015035
Date	Jun 5, 2017
Instrument	170015035

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record

June 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 28, 2006
Property Address	4905 TERN CT, CHESAPEAKE, VA 23321-1368
Document Number	006614/769
Book / Page	6614 / 769
Instrument Date	Jun 23, 2006
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006614773
Date	Jun 28, 2006
Instrument	6614/773

Lender

Name	COUNTRYWIDE HOME LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4905 Tern Ct was $5,300.

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$559,800 (+6.67%) Land $170,000 Building $389,800	$559,800 (+6.67%) Land $170,000 Building $389,800
2025	$5,300.00	$524,800 Land $165,000 Building $359,800	$524,800 Land $165,000 Building $359,800
2023		$540,100 (+10.59%) Land $160,000 Building $380,100	$540,100 (+10.59%) Land $160,000 Building $380,100
2022		$488,400 Land $140,000 Building $348,400	$488,400 Land $140,000 Building $348,400
2019	$4,085.00

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

Flood

FEMA has no flood map on file for 4905 Tern Ct; there have been 3 flood claims nearby since 2003.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	3 (2003–2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew

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 4905 Tern Ct is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 70% of Virginia
Wildfire Likelihood	0.06% 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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