515 Whitfield Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 515 Whitfield Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,363 sqft · built 1950
Lot Size	4.61 acres (200,812 sqft)
Owner	Company Name on Record
Tax Bill	$4,493 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Apr 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-A-194`

Property Details

APN / Parcel Number

Primary APN	`29-A-194`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,363 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Split Level
Roof Type	Gable
Roof Material	Asphalt
Lot Area	200,812 sqft (4.61 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	515 WHITFIELD RD
City	CARDINAL
State	VA
Zip	23025-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 253-519 PB 24-80
Legal Lot Number	194
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	Company Name on Record
Mailing Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Apr 24, 2024	Gift Deed, Transfer BANKER TITLE LLC, BANKERS TITLE LLC
Jan 4, 2024	Deed of Distribution, Transfer
Jan 4, 2024	Deed of Distribution, Transfer
Nov 15, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 29, 2024
Transfer Doc	0000000453
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020
Transaction Type	Mortgage
Record Updated	Apr 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000296
Date	Mar 20, 2024
Instrument	240000296

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MATHEWS VA
Recording Date	Apr 24, 2024
Property Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020
Document Number	0240000453
Instrument Date	Jan 29, 2024
Instrument	240000453
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	BANKER TITLE LLC, BANKERS TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

January 2024: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	MATHEWS VA
Recording Date	Jan 4, 2024
Property Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020
Document Number	0240000008
Instrument Date	Dec 20, 2023
Instrument	240000008
Transaction Type	Transfer
Record Updated	Mar 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020

January 2024: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	MATHEWS VA
Recording Date	Jan 4, 2024
Property Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020
Document Number	0240000008
Instrument Date	Dec 20, 2023
Instrument	240000008
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MATHEWS VA
Recording Date	Nov 15, 2019
Property Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020
Document Number	190001512
Instrument Date	Nov 14, 2019
Instrument	190001512
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	515 WHITFIELD RD, CARDINAL, VA 23025-2020

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	$4,493.00	$724,700 (-) Land $243,300 Building $481,400
2025	$4,493.00 (+10.72%)
2023	$4,058.00	$724,700 Land $243,300 Building $481,400	$724,700 Land $243,300 Building $481,400

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 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 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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 28 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

Cell Coverage

5G (outdoors only) and 4G LTE

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