Chesapeake City property record for 652 Cardover Ave, Chesapeake, VA 23325
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,500 sqft · built 2005 |
| Lot Size | 0.063 acres (2,744 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Nov 2023) |
| Tax Bill | $3,063 (2025) |
| Deeds & Mortgages | Jun 2007 Second Mortgage Apr 2009 Mortgage + 5 more |
| APN | 0205001001840 |
| Primary APN | 0205001001840 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 750 sqft |
| Upper Floors Area | 750 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,744 sqft (0.063 acres) |
| Lot Dimensions | 110 ft deep x 25 ft wide |
| Deck Area | 750 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 652 CARDOVER AVE |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23325-5004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 17 BLK 13 IRH SITES SEC 1 |
| Legal Subdivision | INDIAN RIVER HOMESITES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20809 |
Source: Chesapeake City records · APN 0205001001840
Assessment roll updated August 25, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2007 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Apr 24, 2009 | Deed of Trust, Mortgage · VA Mortgage US BANK NA |
| Aug 02, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Jan 11, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION |
| Nov 20, 2023 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Jan 11, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION |
| Jul 15, 2008 | Warranty Deed, Transfer · VA Mortgage ADVANCE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on Record |
| Deed Sale | Nov 20, 2023 · Amount on Record |
| Prior Sale | Jul 15, 2008 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0007117/77 |
|---|---|
| Date | Jun 13, 2007 |
| Book Page | 7117/77 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0007785/90 |
|---|---|
| Date | Apr 24, 2009 |
| Book Page | 7785/90 |
| Name | US BANK NA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 10772/1113 |
|---|---|
| Date | Aug 02, 2024 |
| Book Page | 10772/1113 |
| Instrument | 240015671 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 009743/513 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 9743/513 |
| Instrument | 170000674 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Nov 20, 2023 |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Document Number | 0010709/26 |
| Book / Page | 10709 / 26 |
| Instrument Date | Nov 07, 2023 |
| Instrument | 230024000 |
| Transaction Type | Transfer |
| Record Updated | Dec 06, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Document Number | 0230024001 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 230024001 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 170000674 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 9743/513 |
| Instrument | 170000674 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 15, 2008 |
| Property Address | 652 CARDOVER AVE, CHESAPEAKE, VA 23325-5004 |
| Document Number | 007548/480 |
| Book / Page | 7548 / 480 |
| Instrument Date | Jun 30, 2008 |
| Transaction Type | Transfer |
| Record Updated | May 07, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0007548483 |
|---|---|
| Date | Jul 15, 2008 |
| Instrument | 7548/483 |
| Name | ADVANCE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Chesapeake City records · Assessment roll updated August 25, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,063.00 (+48.69%) | $303,300 (+17.6%) Land $115,000 Building $188,300 | $303,300 (+17.6%) Land $115,000 Building $188,300 |
| 2023 | $257,900 (+6.31%) Land $100,000 Building $157,900 | $257,900 (+6.31%) Land $100,000 Building $157,900 | |
| 2022 | $242,600 Land $95,000 Building $147,600 | $242,600 Land $95,000 Building $147,600 | |
| 2019 | $2,060.00 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 515500208092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 7 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.6% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 194 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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