704 Ray Ave, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 704 Ray Ave, Chesapeake, VA 23320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,870 sqft · built 2002
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Aug 2023)
Tax Bill	$3,429 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
APN	`0351004002640`

Property Details

APN / Parcel Number

Primary APN	`0351004002640`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,870 sqft Living Area
1st Floor Area	638 sqft
Upper Floors Area	638 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 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	9 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

Source: Chesapeake City records, as of May 27, 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	704 RAY AVE, CHESAPEAKE, VA 23320-6434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCE
Sep 27, 2019	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 26, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2023 · Amount on Record
Deed Sale	Aug 30, 2023 · Amount on Record
Prior Sale	Sep 27, 2019 · Amount on Record
Prior Transfer Date	Jul 19, 2019
Prior Transfer Doc	10037/1
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 30, 2023
Property Address	704 RAY AVE, CHESAPEAKE, VA 23320-6434
Document Number	010691/146
Book / Page	10691 / 146
Instrument Date	Aug 24, 2023
Instrument	230018508
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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
Address	704 RAY AVE, CHESAPEAKE, VA 23320-6434

Mortgage

Document Number	0230018509
Date	Aug 30, 2023
Instrument	230018509

Lender

Name	AMERICAN NEIGHBORHOOD MORTGAGE ACCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Sep 27, 2019
Property Address	704 RAY AVE, CHESAPEAKE, VA 23320-6434
Document Number	10060/955
Book / Page	10060 / 955
Instrument Date	Sep 17, 2019
Instrument	190026000
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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
Address	704 RAY AVE, CHESAPEAKE, VA 23320-6434

Mortgage

Document Number	190026001
Date	Sep 27, 2019
Instrument	190026001

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 26, 2019
Property Address	704 RAY AVE, CHESAPEAKE, VA 23320-6434
Document Number	10037/1
Book / Page	10037 / 1
Instrument Date	Jul 19, 2019
Instrument	190019072
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 RAY AVE, CHESAPEAKE, VA 23320-6434

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of August 25, 2025

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
2025	$3,429.00 (-0.29%)	$339,500 (+10.37%) Land $100,000 Building $239,500	$339,500 (+10.37%) Land $100,000 Building $239,500
2024	$3,439.00 (+44.19%)
2023		$307,600 (+11.17%) Land $90,000 Building $217,600	$307,600 (+11.17%) Land $90,000 Building $217,600
2022		$276,700 Land $80,000 Building $196,700	$276,700 Land $80,000 Building $196,700
2019	$2,385.00

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 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

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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