Chesapeake City property record for 609 Ray Ave, Chesapeake, VA 23320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,854 sqft · built 2001 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Jan 2019) |
| Tax Bill | $3,418 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Jan 2019 Sale & Mortgage |
| APN | 0351004002010 |
| Primary APN | 0351004002010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,854 sqft Living Area |
| 1st Floor Area | 827 sqft |
| Upper Floors Area | 827 sqft |
| Attic | Attic |
| Attic Area | 304 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 44 sqft |
| Deck Area | 399 sqft |
| Patio Area | 376 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 609 RAY AVE |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23320-6431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6: RESIDE |
| Legal Description | PT LOT 7A RESUB LTS 7&6 BLK 20 SEC B CRESTWOOD |
| Legal Subdivision | CRESTWOOD |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 20903 |
609 Ray Ave is owned and occupied by two individuals who bought it in January 2019.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 RAY AVE, CHESAPEAKE, VA 23320-6431 |
| 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.
| Date | Document |
|---|---|
| Mar 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage USAA FEDERAL SAVINGS BANK |
| Jan 10, 2019 | Warranty Deed, Transfer · VA Mortgage USAA FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2019 · Amount on File |
| Deed Sale | Jan 10, 2019 · Amount on File |
| Prior Sale | Mar 4, 2015 · Amount on File |
| Deed Document Number | 2019777 |
| Deed Book / Page | 9980 / 221 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 609 RAY AVE, CHESAPEAKE, VA 23320-6431 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 10123/1542 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 10123/1542 |
| Instrument | 200007874 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jan 10, 2019 |
| Property Address | 609 RAY AVE, CHESAPEAKE, VA 23320-6431 |
| Document Number | 9980/221 |
| Book / Page | 9980 / 221 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 190000777 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount 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 | 609 RAY AVE, CHESAPEAKE, VA 23320-6431 |
| Document Number | 190000778 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 190000778 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 609 Ray Ave was $3,418.
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 | $355,700 (+5.11%) Land $120,000 Building $235,700 | $355,700 (+5.11%) Land $120,000 Building $235,700 | |
| 2025 | $3,418.00 | $338,400 Land $110,000 Building $228,400 | $338,400 Land $110,000 Building $228,400 |
| 2023 | $306,300 (+10.86%) Land $95,000 Building $211,300 | $306,300 (+10.86%) Land $95,000 Building $211,300 | |
| 2022 | $276,300 Land $85,000 Building $191,300 | $276,300 Land $85,000 Building $191,300 | |
| 2019 | $2,490.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 609 Ray Ave; there have been 9 flood claims nearby since 2003.
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 334 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 334 in force |
| Nearby Flood Claims | 9 (2003–2018) |
| Most Recent Claim | Oct 2018 · other causes |
| Claims by Event |
|
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 risk around 609 Ray Ave is low, with less than 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 99.1% of the US · lower than 99.6% 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 312 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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