Northampton County property record for 648 Monroe Ave, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,872 sqft · built 1920 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $274,900 (Jul 2012) |
| Tax Bill | $4,753 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 83A3-1-326 |
| Primary APN | 83A3-1-326 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Asbestos |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Open Porch |
| Porch Area | 224 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Account Number | 430920 |
|---|---|
| Street Address | 648 MONROE AVE |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-3318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PORTION OF#326 648 MONROE AV PORTION OF#326 648 MONROE AV |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2051 |
| 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.
648 Monroe Ave is owned and occupied by an individual who bought it in July 2012.
Source: Northampton County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 648 MONROE AVE, CAPE CHARLES, VA 23310-3318 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2012 · Amount on File |
| Deed Sale | Jul 23, 2012 · Amount on File |
| Prior Sale | Aug 31, 2007 · Amount on File |
| Deed Document Number | 0120001222 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 648 MONROE AVE, CAPE CHARLES, VA 23310-3318 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210003140 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 210003140 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Oct 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 648 Monroe Ave was $4,753.
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 | $4,753.00 | $674,200 Land $182,400 Building $491,800 | |
| 2024 | $674,200 (+35.11%) Land $182,400 Building $491,800 | ||
| 2023 | $3,792.00 | $499,000 Land $167,400 Building $331,600 | $499,000 Land $167,400 Building $331,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 648 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 648 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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