620 Reef Key, Virginia Beach, VA 23452 Property Records

Virginia Beach City property record for 620 Reef Key, Virginia Beach, VA 23452

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,308 sqft · built 1998
Lot Size	0.413 acres (17,986 sqft)
Owner	Company Name on File
Tax Bill	$5,244 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2021 Transfer + 1 more
APN	`1487-69-2480`

Property Details

APN / Parcel Number

Primary APN	`1487-69-2480`
Alternative APN	`148-769-24800-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	3,098 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	17,986 sqft (0.413 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	330 sqft
Deck Area	387 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	1487-69-2480
Street Address	620 REEF KY
City	VIRGINIA BEACH
State	VA
Zip	23452-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	MALIBU SEC 11 LOT 769
Legal Subdivision	MALIBU
Legal Block	1
Legal Lot Number	769
Jurisdiction	VIRGINIA BEACH CITY VA
Township / Civil Division	VIRGINIA BEACH
Census Block Group	1
Census Block	1000
Census Tract	42400

Owner

620 Reef Key is owned by a company that acquired it in October 2021 and is owner-occupied.

Source: Virginia Beach City records, as of April 2, 2026

Owner of Record	Company Name on File
Mailing Address	620 REEF KY, VIRGINIA BEACH, VA 23452-3704
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Jun 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 25, 2021	Gift Deed, Transfer
Jan 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 18, 2021
Transfer Doc	0000084298
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VIRGINIA BEACH CITY VA
Property Address	620 REEF KY, VIRGINIA BEACH, VA 23452-3704
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006555
Date	Jun 30, 2022
Instrument	202203036555

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

October 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	VIRGINIA BEACH CITY VA
Recording Date	Oct 25, 2021
Property Address	620 REEF KY, VIRGINIA BEACH, VA 23452-3704
Document Number	0000004298
Map Reference	MB 62 PG 14
Instrument Date	Oct 18, 2021
Instrument	202103084298
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 REEF KY, VIRGINIA BEACH, VA 23452-3704

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VIRGINIA BEACH CITY VA
Property Address	620 REEF KY, VIRGINIA BEACH, VA 23452-3704
Document Number	0000069270
Instrument Date	Jan 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000069270
Date	Jan 25, 2018
Instrument	69270

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 24, 2033

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 620 Reef Key was $5,244, up 4.6% from the year before.

Source: Virginia Beach City assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Virginia Beach City
Unified School District	Virginia Beach City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,244.00 (+4.65%)	$540,700 Land $180,000 Building $360,700	$540,700 Land $180,000 Building $360,700
2024	$5,011.00 (+5.36%)
2023	$4,756.00	$480,500 Land $135,000 Building $345,500	$480,500 Land $135,000 Building $345,500

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 620 Reef Key; there have been 9 flood claims nearby since 1979.

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 31 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	9 (1979–2016)
Claims Outside the SFHA	6 of 9
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.

Wildfire

Wildfire risk around 620 Reef Key is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 VIRGINIA BEACH serves 437,994 people · EPA ID VA3810900
Water Source	Purchased surface water from CITY OF NORFOLK
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 349 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reef Key

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