702 Ray Ave, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 702 Ray Ave, Chesapeake, VA 23320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,253 sqft · built 2002
Lot Size	0.144 acres (6,273 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Aug 2006)
Tax Bill	$3,649 (2025)
Deeds & Mortgages	Nov 2020 Second Mortgage May 2025 Refinance + 3 more
APN	`0351004002630`

Property Details

APN / Parcel Number

Primary APN	`0351004002630`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,253 sqft Living Area
1st Floor Area	884 sqft
Upper Floors Area	904 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,273 sqft (0.144 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	232 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	116 sqft
Balcony Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	702 RAY AVE
City	CHESAPEAKE
State	VA
Zip	23320-6434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6: RESIDE
Legal Description	8 BLK 24 CRESTWOOD PLAT B
Legal Subdivision	CRESTWOOD
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	2
Census Block	2035
Census Tract	20903

Owner

702 Ray Ave is owned and occupied by two individuals who bought it in August 2006.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	702 RAY AVE, CHESAPEAKE, VA 23320-6434
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
May 27, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE INC
Jun 14, 2007	Deed of Trust, Mortgage · ARM NATIONSTAR MORTGAGE LLC
Nov 19, 2009	Deed of Trust, Mortgage · FHA Mortgage LEND AMERICA
Aug 9, 2006	Warranty Deed, Transfer · Conventional Mortgage DECISION ONE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2006 · Amount on File
Deed Sale	Aug 9, 2006 · Amount on File
Deed Book / Page	6681 / 173
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	702 RAY AVE, CHESAPEAKE, VA 23320-6434
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	10259/1568
Date	Nov 19, 2020
Book Page	10259/1568
Instrument	200043566

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	349 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	702 RAY AVE, CHESAPEAKE, VA 23320-6434
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	10856/1191
Date	May 27, 2025
Book Page	10856/1191
Instrument	250011178

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2045

Interest

Rate Type	Fixed Rate
Rate	7.13%

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	702 RAY AVE, CHESAPEAKE, VA 23320-6434
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	007119/783
Date	Jun 14, 2007
Book Page	7119/783

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	9.71%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2009

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	702 RAY AVE, CHESAPEAKE, VA 23320-6434
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	007987/562
Date	Nov 19, 2009
Book Page	7987/562

Lender

Name	LEND AMERICA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2039

Interest

Rate Type	Fixed Rate

August 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 9, 2006
Property Address	702 RAY AVE, CHESAPEAKE, VA 23320-6434
Document Number	006681/173
Book / Page	6681 / 173
Instrument Date	Jul 14, 2006
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0006681177
Date	Aug 9, 2006
Instrument	6681/177

Lender

Name	DECISION ONE MORTGAGE CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 702 Ray Ave was $3,649.

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		$379,900 (+5.15%) Land $110,000 Building $269,900	$379,900 (+5.15%) Land $110,000 Building $269,900
2025	$3,649.00	$361,300 Land $100,000 Building $261,300	$361,300 Land $100,000 Building $261,300
2023		$331,400 (+11.13%) Land $90,000 Building $241,400	$331,400 (+11.13%) Land $90,000 Building $241,400
2022		$298,200 Land $80,000 Building $218,200	$298,200 Land $80,000 Building $218,200
2019	$2,668.00

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

Flood

FEMA has no flood map on file for 702 Ray Ave; there have been 9 flood claims nearby since 2003.

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 File median of 334 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	334 in force
Nearby Flood Claims	9 (2003–2018)
Most Recent Claim	Oct 2018 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Irene, Aug 2011 · 3 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

Wildfire risk around 702 Ray 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 95% of the US · lower than 97.5% 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.

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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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