517 E Lake Cir, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 517 E Lake Cir, Chesapeake, VA 23322

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,570 sqft · built 1986
Lot Size	0.087 acres (1,041 sqft)
Owner	Individual Name on File
Last Sale	$164,750 (Aug 2018)
Tax Bill	$2,670 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2022 Line of Credit + 8 more
APN	`0595002000040`

Property Details

APN / Parcel Number

Primary APN	`0595002000040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
1st Floor Area	1,240 sqft
Upper Floors Area	330 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,041 sqft (0.087 acres)
Deck Area	1,238 sqft
Patio Area	175 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	517 E LAKE CIR
City	CHESAPEAKE
State	VA
Zip	23322-8322
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF1: MULT
Legal Description	UNIT 517 CEDAR LAKES CONDO PH 1
Legal Subdivision	CEDAR LAKES
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3006
Census Tract	21010

Owner

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	PSC 10 BOX 17, APO, AE 09142-0001
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN PACIFIC MORTGAGE CORP
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit ABNB FEDERAL CREDIT UNION
Jul 24, 2007	Deed of Trust, Mortgage · Line of Credit USAA FEDERAL SAVINGS BANK
Oct 21, 2008	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
May 23, 2013	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Aug 16, 2018	Special Warranty Deed, Transfer NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC
Aug 16, 2018	Special Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Apr 5, 2018	Trustee's Deed, Foreclosure
Apr 27, 2007	Warranty Deed, Transfer · VA Mortgage USAA FEDERAL SAVINGS BANK
Mar 17, 2006	Warranty Deed, Transfer · FHA Mortgage AMERICAN HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2018 · Amount on File
Deed Sale	Aug 16, 2018 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Deed Document Number	201822075
Deed Book / Page	9944 / 446
Prior Transfer Date	Mar 21, 2018
Prior Transfer Doc	9899/252
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10352/1480
Date	Apr 14, 2021
Book Page	10352/1480
Instrument	210017430

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.38%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010551/872
Date	Apr 26, 2022
Book Page	10551/872
Instrument	220014018

Lender

Name	ABNB FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Apr 2, 2034

Interest

Rate Type	Adjustable Rate

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007166/360
Date	Jul 24, 2007
Book Page	7166/360

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 6, 2027

Interest

Rate Type	Adjustable Rate

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007629/239
Date	Oct 21, 2008
Book Page	7629/239

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2038

Interest

Rate Type	Fixed Rate
Rate	6%

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009086/185
Date	May 23, 2013
Book Page	9086/185

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2043

Interest

Rate Type	Fixed Rate

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 16, 2018
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Document Number	9944/446
Book / Page	9944 / 446
Instrument Date	Aug 8, 2018
Instrument	180022075
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 16, 2018
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Document Number	9944/446
Book / Page	9944 / 446
Instrument Date	Aug 8, 2018
Instrument	180022075
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322

Mortgage

Document Number	180022076
Date	Aug 16, 2018
Instrument	180022076

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 5, 2018
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Document Number	9899/252
Book / Page	9899 / 252
Instrument Date	Mar 21, 2018
Instrument	180008483
Transaction Type	Foreclosure
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

April 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 27, 2007
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Document Number	007051/717
Book / Page	7051 / 717
Instrument Date	Apr 17, 2007
Transaction Type	Transfer
Record Updated	May 7, 2026

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

Mortgage

Document Number	0007051725
Date	Apr 27, 2007
Instrument	7051/725

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Mar 17, 2006
Property Address	517 E LAKE CIR, CHESAPEAKE, VA 23322-8322
Document Number	006420/102
Book / Page	6420 / 102
Instrument Date	Feb 24, 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
Investor	Possibly a Property Investor

Mortgage

Document Number	0006420106
Date	Mar 17, 2006
Instrument	6420/106

Lender

Name	AMERICAN HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$277,400 (+4.92%) Land $105,000 Building $172,400	$277,400 (+4.92%) Land $105,000 Building $172,400
2025	$2,670.00 (+55.69%)	$264,400 (+20.4%) Land $95,000 Building $169,400	$264,400 (+20.4%) Land $95,000 Building $169,400
2023		$219,600 (+7.12%) Land $75,000 Building $144,600	$219,600 (+7.12%) Land $75,000 Building $144,600
2022		$205,000 Land $60,000 Building $145,000	$205,000 Land $60,000 Building $145,000
2019	$1,715.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 40 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	9 (1984–2024)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Aug 2024 · rainfall accumulation

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 0.01% 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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30