Chesapeake City property record for 645 Margaret Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,691 sqft · built 1985 |
| Lot Size | 3.2 acres (139,740 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Jul 2006) |
| Tax Bill | $6,952 (2025) |
| Deeds & Mortgages | Apr 2022 Refinance Aug 2017 Mortgage |
| APN | 0772001000110 |
| Primary APN | 0772001000110 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,691 sqft Living Area |
| 1st Floor Area | 1,189 sqft |
| Upper Floors Area | 1,189 sqft |
| Attic | Attic |
| Attic Area | 460 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 139,740 sqft (3.2 acres) |
| Lot Dimensions | 749 ft deep x 195 ft wide |
| Garage Type | Attached |
| Garage Area | 1,265 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 810 sqft |
| Deck Area | Deck Area |
| Patio Area | 244 sqft |
| Shed | 1 Shed |
| Shed Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 MARGARET DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-1332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1: AGRICU |
| Legal Description | 90 KING JAMES COLONY SEC 6-A 3.208 AC |
| Legal Subdivision | BLACKWATER FOREST, KING JAMES COLONY |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 21103 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 645 MARGARET DR, CHESAPEAKE, VA 23322-1332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CMG FINANCIAL |
| Aug 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2006 · Amount on Record |
| Deed Sale | Jul 12, 2006 · Amount on Record |
| Deed Book / Page | 6639 / 804 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 645 MARGARET DR, CHESAPEAKE, VA 23322-1332 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 10543/1484 |
|---|---|
| Date | Apr 7, 2022 |
| Book Page | 10543/1484 |
| Instrument | 220011792 |
| Name | CMG FINANCIAL |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 645 MARGARET DR, CHESAPEAKE, VA 23322-1332 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9816/707 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 9816/707 |
| Instrument | 170020756 |
| Name | CALIBER HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|
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 | $716,600 (+4.11%) Land $267,000 Building $449,600 | $716,600 (+4.11%) Land $267,000 Building $449,600 | |
| 2025 | $6,952.00 (+17.12%) | $688,300 (+7.01%) Land $236,800 Building $451,500 | $688,300 (+7.01%) Land $236,800 Building $451,500 |
| 2023 | $643,200 (+12.61%) Land $186,800 Building $456,400 | $643,200 (+12.61%) Land $186,800 Building $456,400 | |
| 2022 | $571,200 Land $166,800 Building $404,400 | $571,200 Land $166,800 Building $404,400 | |
| 2019 | $5,936.00 |
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 Record median of 20 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 20 in force |
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 | Moderate above 58% of the US · above 87% of Virginia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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