564 Osprey Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 564 Osprey Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1960
Lot Size	3.29 acres (143,312 sqft)
Owner	Individual Name on File
Last Sale	$860,000 (Jun 2021)
Tax Bill	$5,845 (2026)
Deeds & Mortgages	May 2022 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`29-A-189`

Property Details

APN / Parcel Number

Primary APN	`29-A-189`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	896 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Roof Type	Gable
Roof Material	Asphalt
Lot Area	143,312 sqft (3.29 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	564 OSPREY RD
City	CARDINAL
State	VA
Zip	23025-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AC 3.290 B 0000/
Legal Lot Number	189
Jurisdiction	MATHEWS VA
Township / Civil Division	WESTVILLE
Census Block Group	2
Census Block	2002
Census Tract	951401

Owner

564 Osprey Rd is owned and occupied by an individual who bought it in June 2021.

Source: Mathews County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	564 OSPREY RD, CARDINAL, VA 23025-2012
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
May 10, 2022	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Jun 17, 2021	Deed, Transfer · Conventional Mortgage CHESAPEAKE BANK
Jun 17, 2021	Deed, Transfer · Conventional Mortgage CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021 · Amount on File
Deed Sale	Jun 17, 2021 · Amount on File
Prior Sale	Oct 26, 2005 · Amount on File
Deed Document Number	20211049
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	564 OSPREY RD, CARDINAL, VA 23025-2012
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	564 OSPREY RD, CARDINAL, VA 23025-2012

Mortgage

Document Number	0220000783
Date	May 10, 2022
Instrument	220000783

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	Jun 17, 2021
Property Address	560 OSPREY RD, CARDINAL, VA 23025
Document Number	210001049
Instrument Date	Jun 8, 2021
Instrument	210001049
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	564 OSPREY RD, CARDINAL, VA 23025-2012

Mortgage

Document Number	210001050
Date	Jun 17, 2021
Instrument	210001050

Lender

Name	CHESAPEAKE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	Jun 17, 2021
Property Address	564 OSPREY RD, CARDINAL, VA 23025-2012
Document Number	0210001049
Instrument Date	Jun 8, 2021
Instrument	210001049
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	564 OSPREY RD, CARDINAL, VA 23025-2012

Mortgage

Document Number	0210001050
Date	Jun 17, 2021
Instrument	210001050

Lender

Name	CHESAPEAKE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 564 Osprey Rd was $5,845, up % from the year before.

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	$5,845.00 (+0.02%)	$942,700 (-) Land $227,500 Building $715,200
2025	$5,844.00 (+3.32%)	$942,700 Land $227,500 Building $715,200
2024	$5,656.00 (+7.14%)
2023	$5,279.00	$942,700 Land $227,500 Building $715,200	$942,700 Land $227,500 Building $715,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 564 Osprey Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 564 Osprey Rd 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 95% of the US · lower than 97.5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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