Chesapeake City property record for 945 Saddleback Trail Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,831 sqft · built 1991 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Feb 2026) |
| Deeds & Mortgages | Sep 2020 Refinance Jun 2023 Line of Credit + 3 more |
| APN | 0606006000570 |
| Primary APN | 0606006000570 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 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 |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 110 ft deep x 109 ft wide |
| Garage Type | Attached |
| Garage Area | 514 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 560 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 659 sqft |
| Patio Area | 306 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 945 SADDLEBACK TRAIL RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-8856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12S: RESI |
| Legal Description | 57 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 | 1035 |
| 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 | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC |
| Jun 27, 2023 | Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE FEDERAL CREDIT UNION |
| May 17, 2006 | Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NATIONAL AS |
| Feb 5, 2026 | Bargain and Sale Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 21, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2026 · Amount on Record |
| Deed Sale | Feb 5, 2026 · Amount on Record |
| Prior Sale | Oct 7, 2016 · Amount on Record |
| Deed Document Number | 20262855 |
| Deed Book / Page | 10941 / 1501 |
| Prior Transfer Date | Nov 17, 2022 |
| Prior Transfer Doc | 010619/481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010219/129 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 10219/129 |
| Instrument | 200032939 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010674/102 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 10674/102 |
| Instrument | 230013415 |
| Name | 1ST ADVANTAGE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006526/277 |
|---|---|
| Date | May 17, 2006 |
| Book Page | 6526/277 |
| Name | WACHOVIA BANK NATIONAL AS |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 30, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Feb 5, 2026 |
| Property Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Document Number | 10941/1501 |
| Book / Page | 10941 / 1501 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 260002855 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Document Number | 0260002856 |
|---|---|
| Date | Feb 5, 2026 |
| Instrument | 260002856 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Nov 21, 2022 |
| Property Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
| Document Number | 010619/481 |
| Book / Page | 10619 / 481 |
| Instrument Date | Nov 17, 2022 |
| Instrument | 220034527 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 945 SADDLEBACK TRAIL RD, CHESAPEAKE, VA 23322-8856 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $522,600 (+10.6%) Land $200,000 Building $322,600 | $522,600 (+10.6%) Land $200,000 Building $322,600 |
| 2025 | $472,500 (+11.99%) Land $190,000 Building $282,500 | $472,500 (+11.99%) Land $190,000 Building $282,500 |
| 2023 | $421,900 Land $170,000 Building $251,900 | $421,900 Land $170,000 Building $251,900 |
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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