Chesapeake City property record for 540 River Gate Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,511 sqft · built 2000 |
| Lot Size | 1 acres (43,778 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $599,900 (Sep 2018) |
| Tax Bill | $7,461 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2019 Mortgage + 2 more |
| APN | 0617001002510 |
| Primary APN | 0617001002510 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,511 sqft Living Area |
| 1st Floor Area | 596 sqft |
| Upper Floors Area | 1,037 sqft |
| Attic | Attic |
| Attic Area | 713 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 43,778 sqft (1 acres) |
| Lot Dimensions | 6 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 713 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 814 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 422 sqft |
| Patio Area | 315 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 RIVER GATE RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-6830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12AS: RES |
| Legal Description | 251 CARRIAGE HOUSE ESTATES SEC 1 |
| Legal Subdivision | CARRIAGE HOUSE ESTATES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 21009 |
Source: Chesapeake City assessment roll, as of August 25, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 540 RIVER GATE RD, CHESAPEAKE, VA 23322-6830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Aug 22, 2019 | Deed of Trust, Mortgage · VA Mortgage LOANLEADERS OF AMERICA INC |
| Jul 26, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANLEADERS OF AMERICA INC |
| Sep 6, 2018 | Warranty Deed, Transfer · VA Mortgage LOANLEADERS OF AMERICAS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2018 · Amount on Record |
| Deed Sale | Sep 6, 2018 · Amount on Record |
| Deed Document Number | 201824031 |
| Deed Book / Page | 9950 / 314 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 540 RIVER GATE RD, CHESAPEAKE, VA 23322-6830 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10192/1452 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 10192/1452 |
| Instrument | 200026051 |
| Name | CALIBER HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jun 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 540 RIVER GATE RD, CHESAPEAKE, VA 23322-6830 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|
| Document Number | 010047/765 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 10047/765 |
| Instrument | 190022195 |
| Name | LOANLEADERS OF AMERICA INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 540 RIVER GATE RD, CHESAPEAKE, VA 23322-6830 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10414/1159 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 10414/1159 |
| Instrument | 210033844 |
| Name | LOANLEADERS OF AMERICA INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 6, 2018 |
| Property Address | 540 RIVER GATE RD, CHESAPEAKE, VA 23322-6830 |
| Document Number | 9950/314 |
| Book / Page | 9950 / 314 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 180024031 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 RIVER GATE RD, CHESAPEAKE, VA 23322-6830 |
| Document Number | 180024032 |
|---|---|
| Date | Sep 6, 2018 |
| Instrument | 180024032 |
| Name | LOANLEADERS OF AMERICAS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Chesapeake City assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,461.00 (+31.84%) | $738,700 (+9.52%) Land $215,000 Building $523,700 | $738,700 (+9.52%) Land $215,000 Building $523,700 |
| 2023 | $674,500 (+6.29%) Land $205,000 Building $469,500 | $674,500 (+6.29%) Land $205,000 Building $469,500 | |
| 2022 | $634,600 Land $185,000 Building $449,600 | $634,600 Land $185,000 Building $449,600 | |
| 2019 | $5,659.00 |
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 |
|---|---|
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 3 (1982–2016) |
| Claims Outside the SFHA | 3 of 3 |
| 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 96% of the US · lower than 98% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% 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 183 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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