Chesapeake City property record for 820 Loretta Ln, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,914 sqft · built 1985 |
| Lot Size | 0.278 acres (12,110 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Jun 2014) |
| Tax Bill | $4,153 (2025) |
| Deeds & Mortgages | Nov 2020 Refinance Nov 2021 Refinance + 4 more |
| APN | 0614014000040 |
| Primary APN | 0614014000040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,914 sqft Living Area |
| 1st Floor Area | 1,674 sqft |
| Attic | Attic |
| Attic Area | 400 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,110 sqft (0.278 acres) |
| Lot Dimensions | 125 ft deep x 101 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 144 sqft |
| Patio Area | 330 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 820 LORETTA LN |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-3738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12AS: RES |
| Legal Description | 127 MT PLEASANT HEIGHTS SEC TWO PT TWO |
| Legal Subdivision | MOUNT PLEASANT HEIGHTS |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21101 |
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 | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Nov 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| Jan 12, 2011 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| May 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2014 · Amount on Record |
| Deed Sale | Jun 26, 2014 · Amount on Record |
| Prior Sale | Dec 28, 2000 · Amount on Record |
| Deed Book / Page | 9404 / 99 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10264/1226 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 10264/1226 |
| Instrument | 200044745 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010473/953 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 10473/953 |
| Instrument | 210049417 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008311/366 |
|---|---|
| Date | Jan 12, 2011 |
| Book Page | 8311/366 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2026 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009831/264 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 9831/264 |
| Instrument | 170024713 |
| Name | QUICKEN LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 11, 2026 |
| Property Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Document Number | 0000011881 |
| Book / Page | 10977 / 602 |
| Instrument Date | May 6, 2026 |
| Instrument | 202611881 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Document Number | 0000011881, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 10977/602 |
| Instrument | 202611881 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 820 LORETTA LN, CHESAPEAKE, VA 23322-3738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9831/264 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 9831/264 |
| Instrument | 170024713 |
| Name | QUICKEN LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $430,000 (+4.57%) Land $210,000 Building $220,000 | $430,000 (+4.57%) Land $210,000 Building $220,000 | |
| 2025 | $4,153.00 (+37.43%) | $411,200 (+8.1%) Land $185,000 Building $226,200 | $411,200 (+8.1%) Land $185,000 Building $226,200 |
| 2023 | $380,400 (+11.88%) Land $175,000 Building $205,400 | $380,400 (+11.88%) Land $175,000 Building $205,400 | |
| 2022 | $340,000 Land $150,000 Building $190,000 | $340,000 Land $150,000 Building $190,000 | |
| 2019 | $3,022.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 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 96% of the US · lower than 98% 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.
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 |
| 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 379 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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