940 Saddleback Trail Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 940 Saddleback Trail Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,831 sqft · built 1991
Lot Size	0.931 acres (40,554 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Sep 2026)
Tax Bill	$4,316 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
APN	`0606006000600`

Property Details

APN / Parcel Number

Primary APN	`0606006000600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,831 sqft Living Area
1st Floor Area	1,506 sqft
Attic	Attic
Attic Area	514 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	40,554 sqft (0.931 acres)
Lot Dimensions	301 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	514 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	351 sqft
Patio Area	366 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	940 SADDLEBACK TRAIL RD
City	CHESAPEAKE
State	VA
Zip	23322-8854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12S: RESI
Legal Description	60 COUNTRY ROADS SEC TWO
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

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 File
Mailing Address	940 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Deed Document Number	202625153
Deed Book / Page	11027 / 737
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Sep 30, 2026
Property Address	940 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854
Document Number	0000025153
Book / Page	11027 / 737
Instrument Date	Sep 22, 2026
Instrument	202625153
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,470.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854

Mortgage

Document Number	0000025154,
Date	Sep 30, 2026
Instrument	202625154

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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		$448,000 (+4.84%) Land $200,000 Building $248,000	$448,000 (+4.84%) Land $200,000 Building $248,000
2025	$4,316.00 (+37.8%)	$427,300 (+12.27%) Land $190,000 Building $237,300	$427,300 (+12.27%) Land $190,000 Building $237,300
2023		$380,600 (+4.79%) Land $170,000 Building $210,600	$380,600 (+4.79%) Land $170,000 Building $210,600
2022		$363,200 Land $150,000 Building $213,200	$363,200 Land $150,000 Building $213,200
2019	$3,132.00

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 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

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	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20