Northampton County property record for 643 Monroe Ave, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,858 sqft · built 1920 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $524,900 (Sep 2020) |
| Tax Bill | $5,083 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 83A3-1-230 |
| Primary APN | 83A3-1-230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,858 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Exterior Material | Stucco |
| 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 | Open Porch |
| Porch Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 10001394 |
|---|---|
| Street Address | 643 MONROE AVE |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-3319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT #230 40X140 LOT #230 40X140 |
| Legal Lot Number | 230 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 930301 |
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.
643 Monroe Ave is owned by an individual who bought it in September 2020.
Source: Northampton County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2720 10TH ST NE, WASHINGTON, DC 20018-1712 |
| 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 |
|---|---|
| Sep 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED STATES SENATE FEDERAL CREDIT |
| Sep 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2020 · Amount on File |
| Deed Sale | Sep 22, 2020 · Amount on File |
| Prior Sale | Sep 21, 2018 · Amount on File |
| Deed Document Number | 200001810 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Sep 22, 2020 |
| Property Address | 643 MONROE AVE, CAPE CHARLES, VA 23310-3319 |
| Document Number | 0200001810 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 200001810 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | A AND N TITLE AND SETTLEMENT, A&N TITLE & SETTLEMENT |
| Amount | Amount on Record |
|---|---|
| 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 | 2720 10TH ST NE, WASHINGTON, DC 20018-1712 |
| Document Number | 0200001811 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 200001811 |
| Name | UNITED STATES SENATE FEDERAL CREDIT |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 362 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Sep 21, 2018 |
| Property Address | 643 MONROE AVE, CAPE CHARLES, VA 23310-3319 |
| Document Number | 0180001416 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 180001416 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | A AND N TITLE AND SETTLEMENT, A & N TITLE & SETTLEMENT |
| Amount | Amount on Record |
|---|---|
| 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 | 2211 CARBON HILL DR, MIDLOTHIAN, VA 23113-2516 |
| Document Number | 0180001417 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 180001417 |
| Name | BRANCH BANKING & TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 643 Monroe Ave was $5,083.
Source: Northampton County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,083.00 | $721,000 Land $162,000 Building $559,000 | |
| 2024 | $721,000 (+36.81%) Land $162,000 Building $559,000 | ||
| 2023 | $4,005.00 | $527,000 Land $148,800 Building $378,200 | $527,000 Land $148,800 Building $378,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Monroe Ave in Zone X, an area of minimal flood risk.
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 File 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 risk around 643 Monroe 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 99.8% 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.
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 |
| 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 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 |
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