653 Willow Bend Dr, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 653 Willow Bend Dr, Chesapeake, VA 23323

Property Summary

Property Type	Exempt (Full or Partial)
Details	4 bd · 2.5 ba · 2,134 sqft · built 1989
Lot Size	0.243 acres (10,585 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Jul 2015)
Deeds & Mortgages	Nov 2025 Mortgage
APN	`0452001002210`

Property Details

APN / Parcel Number

Primary APN	`0452001002210`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,134 sqft Total Area
1st Floor Area	806 sqft
Upper Floors Area	806 sqft
Attic	Attic
Attic Area	440 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,585 sqft (0.243 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	349 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	653 WILLOW BEND DR
City	CHESAPEAKE
State	VA
Zip	23323-1070
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R10S: RESI
Legal Description	221 MILL CREEK SEC 4
Legal Subdivision	MILL CREEK
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3034
Census Tract	21301

Owner

Source: Chesapeake City records, as of October 13, 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 Record
Mailing Address	653 WILLOW BEND DR, CHESAPEAKE, VA 23323-1070
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2015 · Amount on Record
Deed Sale	Jul 1, 2015 · Amount on Record
Prior Sale	Jun 28, 2012 · Amount on Record
Deed Book / Page	9530 / 180
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	653 WILLOW BEND DR, CHESAPEAKE, VA 23323-1070
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 WILLOW BEND DR, CHESAPEAKE, VA 23323-1070

Mortgage

Document Number	010912/515
Date	Nov 5, 2025
Book Page	10912/515
Instrument	250025735

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	5%

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$421,600 (+9.45%) Land $160,000 Building $261,600	$421,600 (+9.45%) Land $160,000 Building $261,600
2023	$385,200 Land $130,000 Building $255,200	$385,200 Land $130,000 Building $255,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 73 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	9 (1999–2024)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Isabel, Sep 2003 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20