544 Willow Bend Dr, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 544 Willow Bend Dr, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,906 sqft · built 1988
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Dec 1999)
Tax Bill	$3,695 (2025)
Deeds & Mortgages	Dec 2023 Refinance Jun 2007 Line of Credit + 4 more
APN	`0452001000580`

Property Details

APN / Parcel Number

Primary APN	`0452001000580`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,906 sqft Living Area
1st Floor Area	1,628 sqft
Attic	Attic
Attic Area	1,628 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,629 sqft (0.244 acres)
Lot Dimensions	124 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	464 sqft
Porch	Open Porch
Porch Area	52 sqft
Patio Area	1,628 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	544 WILLOW BEND DR
City	CHESAPEAKE
State	VA
Zip	23323-1064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	58 MILL CREEK SEC 3
Legal Subdivision	MILL CREEK
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3002
Census Tract	21301

Owner

544 Willow Bend Dr is owned and occupied by two individuals who bought it in December 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
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

Date	Document
Dec 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE INC
Jun 19, 2007	Deed of Trust, Mortgage · Line of Credit USAA FEDERAL SAVINGS BANK
Oct 10, 2006	Deed of Trust, Mortgage · Line of Credit USAA FEDERAL SAVINGS BANK
Oct 10, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE INC
Aug 5, 2008	Deed of Trust, Mortgage · FHA Mortgage REGISTRATION SYSTREM INC
Mar 25, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 1999 · Amount on File
Deed Sale	Dec 6, 1999 · Amount on File
Deed Book / Page	4005 / 536
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10716/1546
Date	Dec 29, 2023
Book Page	10716/1546
Instrument	230026251

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.75%

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007125/26
Date	Jun 19, 2007
Book Page	7125/26

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	May 26, 2027

Interest

Rate Type	Adjustable Rate

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006779/402
Date	Oct 10, 2006
Book Page	6779/402

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 2, 2021

Interest

Rate Type	Adjustable Rate

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10792/1998
Date	Oct 10, 2024
Book Page	10792/1998
Instrument	240021046

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Interest

Rate Type	Fixed Rate
Rate	4.75%

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007569/279
Date	Aug 5, 2008
Book Page	7569/279

Lender

Name	REGISTRATION SYSTREM INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2038

Interest

Rate Type	Fixed Rate

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 WILLOW BEND DR, CHESAPEAKE, VA 23323-1064

Mortgage

Document Number	010959/156
Date	Mar 25, 2026
Book Page	10959/156
Instrument	260007334

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 544 Willow Bend Dr was $3,695, up 3.2% from the year before.

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		$381,400 (+4.26%) Land $160,000 Building $221,400	$381,400 (+4.26%) Land $160,000 Building $221,400
2025	$3,695.00 (+3.18%)	$365,800 Land $150,000 Building $215,800	$365,800 Land $150,000 Building $215,800
2024	$3,581.00
2023		$340,000 (+5.92%) Land $130,000 Building $210,000	$340,000 (+5.92%) Land $130,000 Building $210,000
2022		$321,000 Land $120,000 Building $201,000	$321,000 Land $120,000 Building $201,000
2019	$2,670.00

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 544 Willow Bend Dr; there have been 9 flood claims nearby since 1999.

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 73 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	9 (1999–2024)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Isabel, Sep 2003 · 2 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 544 Willow Bend Dr is low, with a 0.01% 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	0.01% 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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