849 Saddleback Trail Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 849 Saddleback Trail Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,124 sqft · built 1991
Lot Size	0.316 acres (13,765 sqft)
Owner	2 Individual Names on File
Last Sale	$376,000 (May 2020)
Tax Bill	$4,562 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
APN	`0606006000810`

Property Details

APN / Parcel Number

Primary APN	`0606006000810`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,124 sqft Living Area
1st Floor Area	764 sqft
Upper Floors Area	804 sqft
Attic	Attic
Attic Area	460 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,765 sqft (0.316 acres)
Lot Dimensions	155 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	460 sqft

Exterior Amenities

Porch	Slab
Porch Area	195 sqft
Patio Area	104 sqft
Balcony Area	40 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	849 SADDLEBACK TRAIL RD
City	CHESAPEAKE
State	VA
Zip	23322-8850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12S: RESI
Legal Description	81 COUNTRY ROADS SEC ONE
Legal Subdivision	CHESHIRE MDWS,COUNTRY RDS,HERITAGE PT,BR
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1033
Census Tract	21004

Owner

849 Saddleback Trail Rd is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	849 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8850
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Deed Document Number	202016628
Deed Book / Page	10156 / 1043
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 29, 2020
Property Address	849 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8850
Document Number	10156/1043
Book / Page	10156 / 1043
Instrument Date	May 27, 2020
Instrument	200016628
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	SELECT SETTLEMENT GROUP LLC, SELECT SETTLEMENT GROUP INC

Transaction

Amount	Amount 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	849 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8850

Mortgage

Document Number	200016629
Date	May 29, 2020
Instrument	200016629

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 849 Saddleback Trail Rd was $4,562.

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		$474,100 (+4.96%) Land $200,000 Building $274,100	$474,100 (+4.96%) Land $200,000 Building $274,100
2025	$4,562.00	$451,700 Land $190,000 Building $261,700	$451,700 Land $190,000 Building $261,700
2023		$399,900 (+4.6%) Land $170,000 Building $229,900	$399,900 (+4.6%) Land $170,000 Building $229,900
2022		$382,300 Land $150,000 Building $232,300	$382,300 Land $150,000 Building $232,300
2019	$3,271.00

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 849 Saddleback Trail Rd; there have been 3 flood claims nearby since 2005.

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 82 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	3 (2005–2016)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 2 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 849 Saddleback Trail Rd is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 299 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