Chesapeake City property record for 509 Prospect Ct, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,560 sqft · built 1993 |
| Lot Size | 0.368 acres (16,030 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,000 (Apr 1999) |
| Tax Bill | $5,007 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Dec 2019 Mortgage |
| APN | 0501001000830 |
| Primary APN | 0501001000830 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Living Area |
| 1st Floor Area | 966 sqft |
| Upper Floors Area | 966 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,030 sqft (0.368 acres) |
| Lot Dimensions | 136 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 168 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 270 sqft |
| Deck Area | 440 sqft |
| Patio Area | 584 sqft |
| Balcony Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 509 PROSPECT CT |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-1729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 83 SCHOOLHOUSE CROSSING SEC 1 |
| Legal Subdivision | SCHOOLHOUSE CROSSING, SHOOLHOUSE ROAD |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21103 |
Source: Chesapeake City records, as of October 13, 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 | 509 PROSPECT CT, CHESAPEAKE, VA 23322-1729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MCLEAN MORTGAGE CORPORATION |
| Dec 23, 2019 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1999 · Amount on Record |
| Deed Sale | Apr 1, 1999 · Amount on Record |
| Deed Book / Page | 3864 / 613 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 509 PROSPECT CT, CHESAPEAKE, VA 23322-1729 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010332/985 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 10332/985 |
| Instrument | 210012149 |
| Name | MCLEAN MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 509 PROSPECT CT, CHESAPEAKE, VA 23322-1729 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010094/427 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 10094/427 |
| Instrument | 190035734 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2030 |
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $524,700 (+5.85%) Land $210,000 Building $314,700 | $524,700 (+5.85%) Land $210,000 Building $314,700 | |
| 2025 | $5,007.00 (+32.74%) | $495,700 (+8.11%) Land $185,000 Building $310,700 | $495,700 (+8.11%) Land $185,000 Building $310,700 |
| 2023 | $458,500 (+6.9%) Land $175,000 Building $283,500 | $458,500 (+6.9%) Land $175,000 Building $283,500 | |
| 2022 | $428,900 Land $150,000 Building $278,900 | $428,900 Land $150,000 Building $278,900 | |
| 2019 | $3,772.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1994–2016) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people · EPA ID VA3550051 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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