Chesapeake City property record for 944 Saddleback Trail Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,124 sqft · built 1991 |
| Lot Size | 0.898 acres (39,117 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Mar 2021) |
| Tax Bill | $4,508 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Mar 2021 Sale & Mortgage + 1 more |
| APN | 0606006000590 |
| Primary APN | 0606006000590 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,124 sqft Living Area |
| 1st Floor Area | 764 sqft |
| Upper Floors Area | 804 sqft |
| Attic | Attic |
| Attic Area | 460 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,117 sqft (0.898 acres) |
| Lot Dimensions | 307 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 514 sqft |
| Patio Area | 463 sqft |
| Balcony Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 944 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 | 59 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 |
Source: Chesapeake City records, as of October 13, 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 | 944 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Mar 1, 2021 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Jun 1, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage TOWNE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2021 · Amount on Record |
| Deed Sale | Mar 1, 2021 · Amount on Record |
| Prior Sale | May 21, 2014 · Amount on Record |
| Deed Document Number | 20219325 |
| Deed Book / Page | 10320 / 1390 |
| Prior Transfer Date | May 23, 2018 |
| Prior Transfer Doc | 009918/604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 944 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 010605/848 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 10605/848 |
| Instrument | 220030245 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 1, 2021 |
| Property Address | 944 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854 |
| Document Number | 10320/1390 |
| Book / Page | 10320 / 1390 |
| Instrument Date | Feb 24, 2021 |
| Instrument | 210009325 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 944 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854 |
| Document Number | 210009327 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 210009327 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jun 1, 2018 |
| Property Address | 944 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854 |
| Document Number | 9918/604 |
| Book / Page | 9918 / 604 |
| Instrument Date | May 23, 2018 |
| Instrument | 180014097 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 944 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8854 |
| Investor | Possibly a Property Investor |
| Document Number | 9918/608 |
|---|---|
| Date | Jun 1, 2018 |
| Book Page | 9918/608 |
| Instrument | 180014098 |
| Name | TOWNE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $467,000 (+4.64%) Land $200,000 Building $267,000 | $467,000 (+4.64%) Land $200,000 Building $267,000 | |
| 2025 | $4,508.00 (+6.15%) | $446,300 (+12.5%) Land $190,000 Building $256,300 | $446,300 (+12.5%) Land $190,000 Building $256,300 |
| 2024 | $4,247.00 (+31.45%) | ||
| 2023 | $396,700 (+4.39%) Land $170,000 Building $226,700 | $396,700 (+4.39%) Land $170,000 Building $226,700 | |
| 2022 | $380,000 Land $150,000 Building $230,000 | $380,000 Land $150,000 Building $230,000 | |
| 2019 | $3,231.00 |
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 | 0.02% 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 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 |
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