86 Creekside Ln, Cape Charles, VA 23310 Property Records

Northampton County property record for 86 Creekside Ln, Cape Charles, VA 23310

Property Summary

Details	4 bd · 3.5 ba · 3,428 sqft · built 2024
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,837 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`90-30-PP57`

Property Details

APN / Parcel Number

Primary APN	`90-30-PP57`
Alternative APNs	`10000790` `16720` `7344`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,428 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Lot Area	20,255 sqft (0.465 acres)
Garage Type	Attached
Garage Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7344
Street Address	86 CREEKSIDE LN
City	CAPE CHARLES
State	VA
Zip	23310
Property Category	Other
Property Type	Unknown
Legal Description	LOT PP-57 - SUBDIV OF P-3 PL NTE BAY CREEK LOT PP-57 - SUBDIV OF P-3 PL NTE BAY CREEK
Legal Subdivision	BAY CREEK
Legal Phase	3
Legal Lot Number	P-57
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	2
Census Block Group	3
Census Block	3024
Census Tract	930301

Owner

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	2 Individual Names on Record
Mailing Address	190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · VA Mortgage NEXA MORTGAGE LLC
Sep 6, 2024	Intrafamily Transfer, Transfer · Line of Credit ATLANTIC BAY MORTGAGE GROUP LLC
Jan 3, 2024	Intrafamily Transfer, Transfer
Dec 6, 2022	Warranty Deed, Transfer · Line of Credit THE OLD POINT NATIONAL BANK OF PHOE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2024
Deed Sale	Sep 6, 2024
Deed Document Number	20241580
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	86 CREEKSIDE LN, CAPE CHARLES, VA 23310
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 CREEKSIDE LN, CAPE CHARLES, VA 23310

Mortgage

Document Number	0250001567
Date	Sep 19, 2025
Instrument	250001567

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company
Address	MESA, AZ 85212

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NORTHAMPTON VA
Recording Date	Sep 6, 2024
Property Address	86 CREEKSIDE LN, CAPE CHARLES, VA 23310
Document Number	0240001580
Instrument Date	Sep 3, 2024
Instrument	240001580
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375

Mortgage

Document Number	0240001583
Date	Sep 6, 2024
Instrument	240001583

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NORTHAMPTON VA
Recording Date	Jan 3, 2024
Property Address	CREEKSIDE LN, CAPE CHARLES, VA 23310
Document Number	0240000012
Instrument Date	Jan 3, 2024
Instrument	240000012
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Dec 6, 2022
Property Address	86 CREEKSIDE LN, CAPE CHARLES, VA 23310
Document Number	0220002796
Instrument Date	Dec 1, 2022
Instrument	220002796
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375

Mortgage

Document Number	0220002797
Date	Dec 6, 2022
Instrument	220002797

Lender

Name	THE OLD POINT NATIONAL BANK OF PHOE

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Cape Charles Town
County	Northampton County
Unified School District	Northampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,837.00 (+505.04%)	$969,900 (+487.82%) Land $180,900 Building $789,000
2024	$1,130.00	$165,000 Land $165,000	$969,900 Land $180,900 Building $789,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% 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	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

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Eastern Shore of Virginia Broadband Authority.

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