Northampton County property record for 8 Seay Ct, Cape Charles, VA 23310
| Details | 5 bd · 4.5 ba · 3,539 sqft · built 2024 |
|---|---|
| Lot Size | 1 acres (15,680 sqft) |
| Owner | Company Name on Record |
| Last Sale | $950,000 (Jun 2026) |
| Tax Bill | $4,934 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-4-73 |
| Primary APN | 90-4-73 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,539 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 15,680 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 10003679 |
|---|---|
| Street Address | 8 SEAY CT |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310 |
| Property Category | Other |
| Property Type | Unknown |
| Legal Description | LOT 73 15,017 SQ FT BAY CREE URE LOT 73 15,017 SQ FT BAY CREE URE |
| Legal Subdivision | BAY CREEK |
| Legal Lot Number | 73 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 930301 |
Source: Northampton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 8 SEAY CT, CAPE CHARLES, VA 23310 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 12, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage STATE EMP CREDIT UNION/MD |
| Jan 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DOMINION FINANCIAL SERVICES LLC |
| Sep 15, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage COMMERCIAL LENDING LLC |
| May 17, 2005 | Bargain and Sale Deed, Transfer SHORE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on Record |
| Deed Sale | Jun 12, 2026 · Amount on Record |
| Prior Sale | Sep 15, 2022 · Amount on Record |
| Deed Document Number | 20261050 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Jun 12, 2026 |
| Property Address | 8 SEAY CT, CAPE CHARLES, VA 23310 |
| Document Number | 0000001050 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 20261050 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95,950.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 8 SEAY CT, CAPE CHARLES, VA 23310 |
| Document Number | 0000001051, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 20261051 |
| Name | STATE EMP CREDIT UNION/MD |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 8 SEAY CT, CAPE CHARLES, VA 23310-2394 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3141 FAIRVIEW ST 202, 202, CHESAPEAKE, VA 23325-3220 |
| Document Number | 0260000046 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 260000046 |
| Name | DOMINION FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | BALTIMORE, MD 21202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Sep 15, 2022 |
| Property Address | CAPE CHARLES, VA 23310 |
| Document Number | 0220002228 |
| Instrument Date | Sep 13, 2022 |
| Instrument | 220002228 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 811 JUNIPER CRES STE 7, 7, CHESAPEAKE, VA 23320-2633 |
| Document Number | 0220002229 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 220002229 |
| Name | COMMERCIAL LENDING LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 77 Months |
| Due | Feb 7, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | May 17, 2005 |
| Property Address | 8 SEAY CT, CAPE CHARLES, VA 23310-2394 |
| Document Number | 0050001837 |
| Map Reference | MB28 PG49-63 |
| Instrument Date | May 4, 2005 |
| Instrument | 050001837 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 629 TAZEWELL AVE, CAPE CHARLES, VA 23310-3313 |
| Document Number | 0050001838 |
|---|---|
| Date | May 17, 2005 |
| Instrument | 050001838 |
| Name | SHORE BANK |
|---|---|
| Address | EXMORE, VA 23350 |
| Amount | Amount Recorded |
|---|---|
| Term | 37 Months |
| Due | Jun 24, 2008 |
Source: Northampton County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,934.00 (+1,127.36%) | $699,900 (+1,220.57%) Land $91,400 Building $608,500 | |
| 2024 | $699,900 (+1,220.57%) Land $91,400 Building $608,500 | ||
| 2023 | $402.00 | $53,000 Land $53,000 | $53,000 Land $53,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 47 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 47 in force |
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.
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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CAPE CHARLES serves 1,342 people · EPA ID VA3131120 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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