623 Monroe Ave, Cape Charles, VA 23310 Property Records

Northampton County property record for 623 Monroe Ave, Cape Charles, VA 23310

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,778 sqft · built 1945
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Last Sale	$435,000 (Mar 2021)
Tax Bill	$3,785 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83A3-1-239`

Property Details

APN / Parcel Number

Primary APN	`83A3-1-239`
Alternative APNs	`10001343` `6805`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,778 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Patio
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	10001343
Street Address	623 MONROE AVE
City	CAPE CHARLES
State	VA
Zip	23310-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 239 40X140 LOT 239 40X140
Legal Subdivision	TOWN CAPE CHARLES
Legal Lot Number	239
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	2
Census Block Group	2
Census Block	2039
Census Tract	930301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cape Charles Historic District listed 1991 · 588 contributing resources · NRIS 90002122

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Northampton County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	984 CANVAS BACK DR, CHARLOTTESVILLE, VA 22903-7865
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2021 · Amount on Record
Deed Sale	Mar 11, 2021 · Amount on Record
Prior Sale	Jan 19, 2011 · Amount on Record
Deed Document Number	2021650
Prior Transfer Date	Apr 27, 2010
Prior Transfer Doc	0000000784
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Mar 11, 2021
Property Address	623 MONROE AVE, CAPE CHARLES, VA 23310-3319
Document Number	0210000650
Instrument Date	Mar 3, 2021
Instrument	210000650
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	A AND N TITLE AND SETTLEMENT, A&N TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 CANVAS BACK DR, CHARLOTTESVILLE, VA 22903-7865

Mortgage

Document Number	0210000651
Date	Mar 11, 2021
Instrument	210000651

Lender

Name	CORNERSTONE HOME LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Cape Charles Town
County	Northampton County
Unified School District	Northampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,785.00 (+8.89%)	$537,000 (+17.4%) Land $182,400 Building $354,600
2024			$537,000 (+17.4%) Land $182,400 Building $354,600
2023	$3,476.00	$457,400 Land $167,400 Building $290,000	$457,400 Land $167,400 Building $290,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 83 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	98 units insured incl. 15 condo units

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CAPE CHARLES serves 1,342 people · EPA ID VA3131120
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) 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)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Eastern Shore of Virginia Broadband Authority Fiber	200 / 200
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20