Chesapeake City property record for 856 Saddleback Trail Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,183 sqft · built 1990 |
| Lot Size | 0.269 acres (11,718 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Oct 2014) |
| Tax Bill | $4,768 (2025) |
| Deeds & Mortgages | Jul 2010 Mortgage Apr 2026 Line of Credit |
| APN | 0606006000310 |
| Primary APN | 0606006000310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,183 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Upper Floors Area | 884 sqft |
| Attic | Attic |
| Attic Area | 486 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,718 sqft (0.269 acres) |
| Lot Dimensions | 144 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 32 sqft |
| Deck Area | Deck Area |
| Patio Area | 994 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 856 SADDLEBACK TRAIL RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-8849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12S: RESI |
| Legal Description | 31 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 | 1034 |
| Census Tract | 21004 |
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 | 856 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8849 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2010 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2014 · Amount on Record |
| Deed Sale | Oct 24, 2014 · Amount on Record |
| Prior Sale | Nov 6, 2012 |
| Deed Book / Page | 9442 / 928 |
| Prior Transfer Date | Oct 1, 2012 |
| Prior Transfer Doc | 008871/726 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 856 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8849 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008170/421 |
|---|---|
| Date | Jul 29, 2010 |
| Book Page | 8170/421 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2040 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Apr 20, 2026 |
| Property Address | 856 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8849 |
| Document Number | 0000009810 |
| Book / Page | 10969 / 315 |
| Instrument Date | Apr 11, 2026 |
| Instrument | 20269810 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 856 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8849 |
| Document Number | 0000009810, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 10969/315 |
| Instrument | 20269810 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 1, 2066 |
| Rate | 8% |
|---|---|
| Max Rate | -1% |
Source: Chesapeake City assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,768.00 (+5.81%) | $472,100 (+11.82%) Land $190,000 Building $282,100 | $472,100 (+11.82%) Land $190,000 Building $282,100 |
| 2024 | $4,506.00 (+33.47%) | ||
| 2023 | $422,200 (+5.68%) Land $170,000 Building $252,200 | $422,200 (+5.68%) Land $170,000 Building $252,200 | |
| 2022 | $399,500 Land $150,000 Building $249,500 | $399,500 Land $150,000 Building $249,500 | |
| 2019 | $3,376.00 |
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 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 |
|
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 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.
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 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 |
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