916 Garden Tree Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 916 Garden Tree Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,014 sqft · built 2011
Lot Size	0.378 acres (16,466 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,537 (Mar 2012)
Tax Bill	$5,766 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2023 Refinance + 2 more
APN	`0594010000010`

Property Details

APN / Parcel Number

Primary APN	`0594010000010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,014 sqft Living Area
1st Floor Area	1,132 sqft
Upper Floors Area	1,132 sqft
Attic	Attic
Attic Area	444 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,466 sqft (0.378 acres)
Garage Type	Attached
Garage Area	22 sqft
Porch	Slab
Porch Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	916 GARDEN TREE RD
City	CHESAPEAKE
State	VA
Zip	23322-7640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	LOT 1 ASHTON PARK
Legal Subdivision	BRANDON WOODS, WADDELL ESTATES
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1013
Census Tract	21011

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 3, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Apr 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 4, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2012 · Amount on Record
Deed Sale	Mar 6, 2012 · Amount on Record
Prior Sale	Aug 9, 2011 · Amount on Record
Deed Book / Page	8631 / 655
Last Transfer Date	Mar 17, 2017
Transfer Doc	9772/926
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 8, 2026
Property Address	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640
Document Number	0000017585
Book / Page	10999 / 333
Instrument Date	Jul 1, 2026
Instrument	202617585
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017585,
Date	Jul 8, 2026
Book Page	10999/333
Instrument	202617585

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010650/139
Date	Apr 3, 2023
Book Page	10650/139
Instrument	230006463

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 21, 2022
Property Address	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640
Document Number	10549/1662
Book / Page	10549 / 1662
Instrument Date	Apr 4, 2022
Instrument	220013561
Transaction Type	Transfer
Record Updated	May 9, 2022
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	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640

Mortgage

Document Number	0220013562
Date	Apr 21, 2022
Instrument	220013562

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 4, 2017
Property Address	916 GARDEN TREE RD, CHESAPEAKE, VA 23322-7640
Document Number	9772/926
Book / Page	9772 / 926
Instrument Date	Mar 17, 2017
Instrument	170008974
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 RUTH CT, MIDDLETOWN, NY 10940-5319

Tax Assessment & Valuation

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		$611,600 (+7.13%) Land $200,000 Building $411,600	$611,600 (+7.13%) Land $200,000 Building $411,600
2025	$5,766.00 (+5.53%)	$570,900 (+2.66%) Land $190,000 Building $380,900	$570,900 (+2.66%) Land $190,000 Building $380,900
2024	$5,464.00 (+44.02%)
2023		$556,100 (+29.66%) Land $170,000 Building $386,100	$556,100 (+29.66%) Land $170,000 Building $386,100
2022		$428,900 Land $150,000 Building $278,900	$428,900 Land $150,000 Building $278,900
2019	$3,794.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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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