705 Cottage Pl, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 705 Cottage Pl, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,150 sqft · built 1994
Lot Size	0.317 acres (13,809 sqft)
Owner	2 Individual Names on File
Last Sale	$324,900 (Aug 2016)
Tax Bill	$4,629 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Dec 2020 Refinance
APN	`0723001002740`

Property Details

APN / Parcel Number

Primary APN	`0723001002740`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,150 sqft Living Area
1st Floor Area	943 sqft
Upper Floors Area	943 sqft
Attic	Attic
Attic Area	420 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,809 sqft (0.317 acres)
Lot Dimensions	111 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	95 sqft
Patio Area	307 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	705 COTTAGE PL
City	CHESAPEAKE
State	VA
Zip	23322-4621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	274 STONEGATE SEC 2
Legal Subdivision	STONEGATE
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1020
Census Tract	21014

Owner

705 Cottage Pl is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	705 COTTAGE PL, CHESAPEAKE, VA 23322-4621
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
Jul 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Dec 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2016 · Amount on File
Deed Sale	Aug 10, 2016 · Amount on File
Deed Document Number	201621920
Deed Book / Page	9681 / 1704
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	705 COTTAGE PL, CHESAPEAKE, VA 23322-4621
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10576/1777
Date	Jul 1, 2022
Book Page	10576/1777
Instrument	220021694

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2027

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	705 COTTAGE PL, CHESAPEAKE, VA 23322-4621
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10265/1365
Date	Dec 1, 2020
Book Page	10265/1365
Instrument	200044977

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

Tax Assessment & Valuation

The 2025 property tax bill for 705 Cottage Pl was $4,629.

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		$472,400 (+3.08%) Land $200,000 Building $272,400	$472,400 (+3.08%) Land $200,000 Building $272,400
2025	$4,629.00	$458,300 Land $190,000 Building $268,300	$458,300 Land $190,000 Building $268,300
2023		$418,800 (+9.23%) Land $170,000 Building $248,800	$418,800 (+9.23%) Land $170,000 Building $248,800
2022		$383,400 Land $150,000 Building $233,400	$383,400 Land $150,000 Building $233,400
2019	$3,398.00

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 705 Cottage Pl; there have been 2 flood claims nearby since 2019.

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 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2019–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2020 · rainfall accumulation

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 705 Cottage Pl is low, with a 0.02% annual chance of 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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