Chesapeake City property record for 605 River Gate Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,133 sqft · built 2000 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $575,000 (Sep 2020) |
| Tax Bill | $7,076 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Sep 2016 Mortgage + 3 more |
| APN | 0617001000940 |
| Primary APN | 0617001000940 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,133 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Upper Floors Area | 1,306 sqft |
| Attic | Attic |
| Attic Area | 189 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,151 sqft (0.256 acres) |
| Lot Dimensions | 117 ft deep x 96 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 316 sqft |
| Deck Area | 666 sqft |
| Patio Area | 204 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 605 RIVER GATE RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-3489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12AS: RES |
| Legal Description | 94 EMERALD LAKES ESTATES SEC 2 |
| Legal Subdivision | CARRIAGE HOUSE ESTATES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 21009 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2020 | Deed of Trust, Mortgage CHARTWAY FEDERAL CREDIT UNION |
| Sep 28, 2016 | Deed of Trust, Mortgage · Conventional Mortgage OVM FINANCIAL INC |
| Dec 28, 2016 | Deed of Trust, Mortgage · Line of Credit CHARTWAY FEDERAL CREDIT UNION |
| Sep 1, 2020 | Warranty Deed, Transfer · Conventional Mortgage LOANLEADERS OF AMERICA INC |
| Nov 10, 2008 | Warranty Deed, Construction Loan · Construction Mortgage BANK OF THE COMMONWEALTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2020 · Amount on Record |
| Deed Sale | Sep 1, 2020 · Amount on Record |
| Prior Sale | Jun 14, 2013 · Amount on Record |
| Deed Document Number | 202030725 |
| Deed Book / Page | 10210 / 998 |
| Prior Transfer Date | Oct 13, 2014 |
| Prior Transfer Doc | 9442/0527 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10164/1474 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 10164/1474 |
| Instrument | 200018779 |
| Name | CHARTWAY FEDERAL CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 9, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 009702/361 |
|---|---|
| Date | Sep 28, 2016 |
| Book Page | 9702/361 |
| Instrument | 160026948 |
| Name | OVM FINANCIAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009738/804 |
|---|---|
| Date | Dec 28, 2016 |
| Book Page | 9738/804 |
| Instrument | 160036219 |
| Name | CHARTWAY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Sep 22, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 1, 2020 |
| Property Address | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Document Number | 10210/998 |
| Book / Page | 10210 / 998 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 200030725 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| 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 | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Document Number | 200030726 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 200030726 |
| Name | LOANLEADERS OF AMERICA INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Nov 10, 2008 |
| Property Address | 605 RIVER GATE RD, CHESAPEAKE, VA 23322-3489 |
| Document Number | 007642/796 |
| Book / Page | 7642 / 796 |
| Instrument Date | Nov 3, 2008 |
| Transaction Type | Construction Loan |
| Record Updated | May 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0007642799 |
|---|---|
| Date | Nov 10, 2008 |
| Instrument | 7642/799 |
| Name | BANK OF THE COMMONWEALTH |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed 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 | $742,500 (+5.98%) Land $210,000 Building $532,500 | $742,500 (+5.98%) Land $210,000 Building $532,500 | |
| 2025 | $7,076.00 (+6.49%) | $700,600 (+5.88%) Land $185,000 Building $515,600 | $700,600 (+5.88%) Land $185,000 Building $515,600 |
| 2024 | $6,645.00 (+43.71%) | ||
| 2023 | $661,700 (+7.54%) Land $180,000 Building $481,700 | $661,700 (+7.54%) Land $180,000 Building $481,700 | |
| 2022 | $615,300 Land $155,000 Building $460,300 | $615,300 Land $155,000 Building $460,300 | |
| 2019 | $4,624.00 |
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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% 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 401 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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