Chesapeake City property record for 551 E Lake Cir, Chesapeake, VA 23322
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,238 sqft · built 1987 |
| Lot Size | 0.087 acres (1,047 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $196,650 (Aug 2021) |
| Tax Bill | $2,473 (2025) |
| Deeds & Mortgages | Dec 2010 Line of Credit Aug 2021 Sale & Mortgage + 2 more |
| APN | 0595002000450 |
| Primary APN | 0595002000450 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,238 sqft Living Area |
| 1st Floor Area | 1,238 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,047 sqft (0.087 acres) |
| Patio Area | 1,238 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 551 E LAKE CIR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-8318 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RMF1: MULT |
| Legal Description | UNIT 551 CEDAR LAKES CONDO PH X1 |
| Legal Subdivision | CEDAR LAKES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 21010 |
Source: Chesapeake City records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 551 E LAKE CIR, CHESAPEAKE, VA 23322-8318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2010 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST CO |
| Aug 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage ADVANCE FINANCIAL GROUP |
| May 15, 2007 | Warranty Deed, Transfer |
| Jul 26, 2006 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Prior Sale | Jul 12, 2016 · Amount on Record |
| Deed Document Number | 202138186 |
| Deed Book / Page | 10430 / 488 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 551 E LAKE CIR, CHESAPEAKE, VA 23322-8318 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008280/806 |
|---|---|
| Date | Dec 3, 2010 |
| Book Page | 8280/806 |
| Name | BRANCH BANKING & TRUST CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 20, 2021 |
| Property Address | 551 E LAKE CIR, CHESAPEAKE, VA 23322-8318 |
| Document Number | 10430/488 |
| Book / Page | 10430 / 488 |
| Instrument Date | Aug 17, 2021 |
| Instrument | 210038186 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2021 |
| Title Company | ATTORNEY ONLY, 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 | 551 E LAKE CIR, CHESAPEAKE, VA 23322-8318 |
| Document Number | 210038187 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 210038187 |
| Name | ADVANCE FINANCIAL GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 15, 2007 |
| Property Address | 551 E LAKE CIR, CHESAPEAKE, VA 23322-8318 |
| Document Number | 007077/360 |
| Book / Page | 7077 / 360 |
| Instrument Date | May 3, 2007 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 26, 2006 |
| Property Address | 551 E LAKE CIR, CHESAPEAKE, VA 23322-8318 |
| Document Number | 006661/567 |
| Book / Page | 6661 / 567 |
| Instrument Date | Jul 21, 2006 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| 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 |
|---|
| Document Number | 0006661570 |
|---|---|
| Date | Jul 26, 2006 |
| Instrument | 6661/570 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Number | 006661/595 |
|---|---|
| Date | Jul 26, 2006 |
| Book Page | 6661/595 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 21, 2031 |
| Rate Type | Adjustable Rate |
|---|
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $265,400 (+8.37%) Land $105,000 Building $160,400 | $265,400 (+8.37%) Land $105,000 Building $160,400 | |
| 2025 | $2,473.00 (+62.91%) | $244,900 (+21.54%) Land $95,000 Building $149,900 | $244,900 (+21.54%) Land $95,000 Building $149,900 |
| 2023 | $201,500 (+7.81%) Land $75,000 Building $126,500 | $201,500 (+7.81%) Land $75,000 Building $126,500 | |
| 2022 | $186,900 Land $60,000 Building $126,900 | $186,900 Land $60,000 Building $126,900 | |
| 2019 | $1,518.00 |
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 | 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.
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.
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 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 |
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