509 Summit Ridge Dr, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 509 Summit Ridge Dr, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,922 sqft · built 1973
Lot Size	0.356 acres (15,507 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,075 (2025)
Deeds & Mortgages	Aug 2018 Mortgage
APN	`0605001000270`

Property Details

APN / Parcel Number

Primary APN	`0605001000270`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,922 sqft Living Area
1st Floor Area	1,164 sqft
Upper Floors Area	1,164 sqft
Attic	Attic
Attic Area	691 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,507 sqft (0.356 acres)
Garage Type	Attached
Garage Area	691 sqft
Parking Spaces	2 Parking Spaces
Pool Area	544 sqft
Porch	Slab
Porch Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	509 SUMMIT RIDGE DR
City	CHESAPEAKE
State	VA
Zip	23322-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	27 BRIDGEFIELD SEC 1
Legal Subdivision	GREAT BRIDGE GARDENS / MISC./BRIDGEFIELD
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1022
Census Tract	21101

Owner

509 Summit Ridge Dr is owned and occupied by two individuals.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 SUMMIT RIDGE DR, CHESAPEAKE, VA 23322-3527
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	509 SUMMIT RIDGE DR, CHESAPEAKE, VA 23322-3527
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09942/1219
Date	Aug 13, 2018
Book Page	9942/1219
Instrument	180021518

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 509 Summit Ridge Dr was $5,075.

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		$529,100 (+5.29%) Land $210,000 Building $319,100	$529,100 (+5.29%) Land $210,000 Building $319,100
2025	$5,075.00	$502,500 Land $185,000 Building $317,500	$502,500 Land $185,000 Building $317,500
2023		$451,400 (+12.01%) Land $175,000 Building $276,400	$451,400 (+12.01%) Land $175,000 Building $276,400
2022		$403,000 Land $150,000 Building $253,000	$403,000 Land $150,000 Building $253,000
2019	$3,504.00

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 509 Summit Ridge Dr; there have been 26 flood claims nearby since 1990.

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 183 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	183 in force
Nearby Flood Claims	26 (1990–2020)
Claims Outside the SFHA	3 of 26
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 9 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 509 Summit Ridge Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20