904 Forest Lakes Dr, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 904 Forest Lakes Dr, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,768 sqft · built 1988
Lot Size	0.342 acres (14,898 sqft)
Owner	2 Individual Names on File
Last Sale	$439,000 (Jul 2018)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Nov 2021 Refinance Sep 2019 Mortgage + 1 more
APN	`0598001000950`

Property Details

APN / Parcel Number

Primary APN	`0598001000950`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,768 sqft Living Area
1st Floor Area	1,073 sqft
Upper Floors Area	1,073 sqft
Attic	Attic
Attic Area	584 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,898 sqft (0.342 acres)
Garage Type	Attached
Garage Area	584 sqft

Exterior Amenities

Porch	Slab
Porch Area	185 sqft
Deck Area	Deck Area
Patio Area	385 sqft
Shed	1 Shed
Shed Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	904 FOREST LAKES DR
City	CHESAPEAKE
State	VA
Zip	23322-7558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	95 FOREST LAKES SEC I
Legal Subdivision	FOREST LAKES
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1010
Census Tract	21015

Owner

904 Forest Lakes Dr is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	904 FOREST LAKES DR, CHESAPEAKE, VA 23322-7558
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

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC
Sep 17, 2019	Deed of Trust, Mortgage · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 13, 2018	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	Sep 12, 2011 · Amount on File
Deed Document Number	201818629
Deed Book / Page	9933 / 1193
Prior Transfer Date	Jul 14, 2011
Prior Transfer Doc	8461/364
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	904 FOREST LAKES DR, CHESAPEAKE, VA 23322-7558
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10478/1408
Date	Nov 12, 2021
Book Page	10478/1408
Instrument	210050871

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	904 FOREST LAKES DR, CHESAPEAKE, VA 23322-7558
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10056/1280
Date	Sep 17, 2019
Book Page	10056/1280
Instrument	190024908

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 13, 2018
Property Address	904 FOREST LAKES DR, CHESAPEAKE, VA 23322-7558
Document Number	9933/1193
Book / Page	9933 / 1193
Instrument Date	May 31, 2018
Instrument	180018629
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	904 FOREST LAKES DR, CHESAPEAKE, VA 23322-7558

Mortgage

Document Number	180018630
Date	Jul 13, 2018
Instrument	180018630

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 904 Forest Lakes Dr was $6,052.

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		$625,300 (+4.36%) Land $205,000 Building $420,300	$625,300 (+4.36%) Land $205,000 Building $420,300
2025	$6,052.00	$599,200 Land $195,000 Building $404,200	$599,200 Land $195,000 Building $404,200
2023		$561,300 (+17.8%) Land $170,000 Building $391,300	$561,300 (+17.8%) Land $170,000 Building $391,300
2022		$476,500 Land $150,000 Building $326,500	$476,500 Land $150,000 Building $326,500
2019	$4,338.00

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 904 Forest Lakes Dr; there have been 1 flood claim nearby since 2016.

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 34 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · rainfall accumulation

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 904 Forest Lakes Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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