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Chesapeake › LOXLEY GARDENS › 2420 Payne Rd✓ Source: REIN MLS #10642992 · record updated Jul 8, 2026 · synced every 5 min · your inquiry is never resold
2420 Payne RD, CHESAPEAKE VA 23323 - Main photo
2420 Payne RD, CHESAPEAKE VA 23323 - Photo 2
2420 Payne RD, CHESAPEAKE VA 23323 - Photo 3
2420 Payne RD, CHESAPEAKE VA 23323 - Photo 4
2420 Payne RD, CHESAPEAKE VA 23323 - Photo 5
$250,000
$178 / sqft · est. $1,574/mo →
3beds
1baths
1,408sqft
0days on market

2420 Payne Rd, Chesapeake, VA 23323

New ListingResidential · built 1953 · LOXLEY GARDENS

About this home

The listing, in the seller's words

Charming ranch nestled on a spacious lot in Chesapeake! This 3 bedroom, 1 bath home offers a warm and inviting layout that's ready for you to make your own. Enjoy the convenience of a detached two-car garage, plenty of driveway parking, and a large yard with endless possibilities for entertaining, gardening, or simply relaxing. There's even room to park your boat, RV, trailer, or recreational toys! Whether you're a first-time homebuyer, downsizing, or looking for a property with space to spread out, this home offers the perfect blend of comfort, functionality, and outdoor living. Conveniently located with easy access to shopping, dining, schools, and major highways, this is one you won't want to miss! * Some photos are virtually enhanced or staged*

Listing courtesy of Ava Ighanian · 1st Class Real Estate Flagship · REIN MLS #10642992

VaHome team overview

Our read on this home

At a glance

A solid three-bedroom, one-bath home in Chesapeake, Virginia, built in 1953 and offering 1,408 square feet of living space on Payne Road. Compact, practical, and positioned just minutes from two major military installations — this address works hard for the people who live here.

Read the full overview ↓

Why this home stands out

What sets 2420 Payne Road apart is its rare combination of vintage 1950s bones and a location that puts two military installations within a ten-minute drive. The 1,408-square-foot footprint is efficient without feeling cramped, and the 1953 construction era means solid materials and a floor plan built around real daily living rather than trend-chasing. For buyers who value proximity over flash, this address delivers.

LOXLEY GARDENS and the Chesapeake real estate market

Payne Road sits in the western reaches of Chesapeake, Virginia — one of the largest cities by land area on the East Coast and a place that consistently draws buyers who want suburban breathing room without sacrificing access to the broader Hampton Roads metro. This corner of Chesapeake has a quietly established character: modest lots, mature trees, and streets that have housed working families for generations. You're close enough to Portsmouth and Norfolk to commute easily, yet far enough removed to feel like you've actually come home at the end of the day. Chesapeake as a whole offers a wide range of parks, retail corridors, and dining options, and the western zip codes tend to attract buyers who appreciate value, space, and a lower-key pace. The 23323 zip code in particular has seen steady interest from military households and first-time buyers drawn to its practical location and accessible price points.

What's nearby

Daily errands are straightforward from Payne Road. The George Washington Highway corridor puts grocery stores, pharmacies, and fast-casual dining within a short drive. Western Branch area shopping adds more retail depth nearby. For outdoor time, Northwest River Park — one of Chesapeake's most beloved green spaces — is a reasonable drive south and worth the trip for hiking and camping. Portsmouth's downtown waterfront and its mix of local restaurants and coffee shops is also easily reachable, giving you a genuine urban dining option without a long commute.

For different buyers

For military families relocating

Norfolk Naval Shipyard is eight minutes away, and USCG Base Portsmouth is nine — that's about as close as Chesapeake gets to either installation. For active-duty households managing unpredictable schedules, shaving commute time matters. A VA loan can make ownership here straightforward, and the 1,408-square-foot layout gives a small family real room to settle in between deployments and duty rotations.

For first-time buyers

Three bedrooms, a full bath, and over 1,400 square feet in Chesapeake — 2420 Payne Road is the kind of address that gives first-time buyers a genuine foothold without overextending. The 1953 construction means the home has already proven its durability, and the location near two major military bases keeps the surrounding area economically stable. It's a practical, grounded place to start building equity.

More buyer questions

How far is 2420 Payne Road from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is approximately 8 minutes away by car under normal traffic conditions, making this one of the closer residential options in Chesapeake for Shipyard personnel.

How far is 2420 Payne Road from USCG Base Portsmouth?

USCG Base Portsmouth is about 9 minutes by car from Payne Road, a genuinely short commute that's hard to beat from a Chesapeake address.

What is the flood zone status for 2420 Payne Road?

Flood zone information for this property is displayed in the dedicated FloodRisk tile on this page — check there for the most current FEMA designation.

Is there an HOA at 2420 Payne Road?

Based on available information, this property does not appear to be governed by a homeowners association, though buyers should verify during due diligence.

What can you tell me about the age and construction of the home?

The home was built in 1953, placing it in a mid-century construction era known for straightforward floor plans and durable materials — it's a property with more than seven decades of residential history behind it.

Want to know more about 2420 Payne Road or explore comparable homes in Chesapeake? Tom and Dariya Milan at LPT Realty are ready to help — reach out and let's talk.

Summary generated by AI from public records and publicly available information.

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1953

Price / sqft

$178

HOA

None

Taxes

$2,441/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10642992

Sources: REIN MLS record · null fields are suppressed, never faked

Flood & environment

The flood answer first — quantified, not buried

FEMA flood zone X · outside the high-risk area · FIRM 510034

Flood Risk

Looking up FEMA flood zone…

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$1,574/mo

Principal & interest

$1,297

Property tax

$203

Home insurance

$73

PMI

None

HOA

None

Estimate only. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$305,000 – $383,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

1549 Forest Cove DR · 1.1 mi · 1,400 sqft$335,000 sold 2026-06
2712 Fenway AVE · 1.2 mi · 1,350 sqft$358,900 sold 2026-06
2856 Flag RD · 1.3 mi · 1,319 sqft$325,000 sold 2026-05

Sale & Tax History

List Price

$250,000

Price / Sq Ft

$178

Annual Taxes

$2,441

Monthly Tax

$203

HOA

None

Tax Rate (effective)

0.98%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 8, 2026$250,000—
Currently listed—$250,000—

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Chesapeake Real Estate Assessor

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Market tempo

0 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Real questions, answered from the record

Is 2420 Payne Rd in a good school zone?+
The assigned zones on the listing record are G.A. Treakle Elementary (GreatSchools 8/10), Deep Creek Middle (GreatSchools 5/10), Deep Creek (GreatSchools 5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 2420 Payne Rd in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Does 2420 Payne Rd have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 2420 Payne Rd built?+
It was built in 1953, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Ava Ighanian · 1st Class Real Estate Flagship · REIN MLS #10642992

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

See it in person — the record only says so much.

Call or text (757) 777-7577

2420 Payne Rd, Chesapeake, Virginia 23323 · MLS #10642992 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.

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