Chesapeake City property record for 631 Combs Ln, Chesapeake, VA 23321
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,376 sqft · built 2018 |
| Lot Size | 0.278 acres (12,110 sqft) |
| Owner | Individual Name on File |
| Last Sale | $337,480 (Sep 2018) |
| Tax Bill | $4,712 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Mar 2022 Refinance + 2 more |
| APN | 0231012000930 |
| Primary APN | 0231012000930 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Upper Floors Area | 932 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,110 sqft (0.278 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Porch |
| Porch Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 631 COMBS LN |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23321-2700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10: RESID |
| Legal Description | 93 MORNINGSIDE AT BOWERS HILL PH 3 |
| Legal Subdivision | HOMESTEAD AT BOWERS HILL |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 21301 |
Source: Chesapeake City records, as of October 13, 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 | Individual Name on File |
|---|---|
| Mailing Address | 631 COMBS LN, CHESAPEAKE, VA 23321-2700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY MORTGAGE LLC |
| Mar 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AFFINITY MORTGAGE |
| Sep 25, 2018 | Special Warranty Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC |
| Jun 20, 2018 | Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2018 · Amount on File |
| Deed Sale | Sep 25, 2018 · Amount on File |
| Prior Sale | Jun 20, 2018 · Amount on File |
| Deed Document Number | 201825601 |
| Deed Book / Page | 9954 / 1445 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 631 COMBS LN, CHESAPEAKE, VA 23321-2700 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 10060/1369 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 10060/1369 |
| Instrument | 190026056 |
| Name | AFFINITY MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 631 COMBS LN, CHESAPEAKE, VA 23321-2700 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 010539/136 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 10539/136 |
| Instrument | 220010510 |
| Name | AFFINITY MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 25, 2018 |
| Property Address | 631 COMBS LN, CHESAPEAKE, VA 23321-2700 |
| Document Number | 09954/1445 |
| Book / Page | 9954 / 1445 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 180025601 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| 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 | 631 COMBS LN, CHESAPEAKE, VA 23321-2700 |
| Document Number | 0180025602 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | 180025602 |
| Name | NVR MORTGAGE FINANCE INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jun 20, 2018 |
| Property Address | 631 COMBS LN, CHESAPEAKE, VA 23321-2700 |
| Document Number | 009925/122 |
| Book / Page | 9925 / 122 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 180016078 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 860 GREENBRIER CIR STE 100, 100, CHESAPEAKE, VA 23320-2640 |
| Investor | Possibly a Property Investor |
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 | $479,800 (+2.85%) Land $135,000 Building $344,800 | $479,800 (+2.85%) Land $135,000 Building $344,800 | |
| 2025 | $4,712.00 (+31.99%) | $466,500 (+10.7%) Land $130,000 Building $336,500 | $466,500 (+10.7%) Land $130,000 Building $336,500 |
| 2023 | $421,400 (+9.34%) Land $130,000 Building $291,400 | $421,400 (+9.34%) Land $130,000 Building $291,400 | |
| 2022 | $385,400 Land $120,000 Building $265,400 | $385,400 Land $120,000 Building $265,400 | |
| 2019 | $3,570.00 |
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 File median of 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 3 (2009–2016) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| 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.
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 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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