654 Willow Bend Dr, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 654 Willow Bend Dr, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,364 sqft · built 1989
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$116,000 (Jan 2001)
Tax Bill	$3,272 (2025)
Deeds & Mortgages	May 2006 Mortgage
APN	`0452001000320`

Property Details

APN / Parcel Number

Primary APN	`0452001000320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	126 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Patio Area	320 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	654 WILLOW BEND DR
City	CHESAPEAKE
State	VA
Zip	23323-1069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	32 MILL CREEK SEC 4
Legal Subdivision	MILL CREEK
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3012
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	2 Individual Names on Record
Mailing Address	654 WILLOW BEND DR, CHESAPEAKE, VA 23323-1069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2001 · Amount on Record
Deed Sale	Jan 30, 2001 · Amount on Record
Deed Book / Page	4202 / 845
Record Updated	Oct 29, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	654 WILLOW BEND DR, CHESAPEAKE, VA 23323-1069
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006552/814
Date	May 31, 2006
Book Page	6552/814

Lender

Name	NOVASTAR MORTGAGE INC

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	11.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2008

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$338,300 (+4.41%) Land $160,000 Building $178,300	$338,300 (+4.41%) Land $160,000 Building $178,300
2025	$3,272.00 (+38.41%)	$324,000 (+6.79%) Land $150,000 Building $174,000	$324,000 (+6.79%) Land $150,000 Building $174,000
2023		$303,400 (+6.01%) Land $130,000 Building $173,400	$303,400 (+6.01%) Land $130,000 Building $173,400
2022		$286,200 Land $120,000 Building $166,200	$286,200 Land $120,000 Building $166,200
2019	$2,364.00

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