ChesapeakeCOUNTRY ROADS940 Saddleback Trl✓ Source: REIN MLS #10642565 · record updated Jul 2, 2026 · synced every 5 min · your inquiry is never resold
940 Saddleback TRL, CHESAPEAKE VA 23320 - Main photo
940 Saddleback TRL, CHESAPEAKE VA 23320 - Photo 2
940 Saddleback TRL, CHESAPEAKE VA 23320 - Photo 3
940 Saddleback TRL, CHESAPEAKE VA 23320 - Photo 4
940 Saddleback TRL, CHESAPEAKE VA 23320 - Photo 5
$550,000
$300 / sqft · est. $3,374/mo →
4beds
2baths
1,831sqft
1days on market

940 Saddleback Trl, Chesapeake, VA 23320

New ListingResidential · built 1991 · COUNTRY ROADS

About this home

The listing, in the seller's words

Welcome to this charming brick-front ranch offering 3 bedrooms plus a spacious room over the garage that can serve as a fourth bedroom, home office, hobby room, or flexible living space. Situated on just under an acre, this property provides an expansive backyard with plenty of room to enjoy outdoor activities, gardening, or simply relaxing.Unwind on the inviting front porch or entertain on the large composite back deck overlooking the generous outdoor space. Inside, the open-concept kitchen and family room create a comfortable gathering area, while the formal living and dining rooms provide additional space for entertaining or everyday living. The attached garage is equipped with a mini-split system, offering year-round comfort and added versatility for a workshop, home gym, studio, or other uses. With its spacious layout, flexible living areas, and expansive lot, this home offers a wonderful blend of comfort, functionality, and outdoor enjoyment.

Listing courtesy of Jobel Daugherty · Howard Hanna Real Estate Svcs. · REIN MLS #10642565

VaHome team overview

Our read on this home

At a glance

940 Saddleback Trail is a four-bedroom, two-bath single-family home in Chesapeake, Virginia, offering 1,831 square feet of living space built in 1991. It sits within easy reach of major Coast Guard and Navy installations, making it a practical and comfortable base for Hampton Roads life.

Read the full overview ↓

Why this home stands out

What sets 940 Saddleback Trail apart is the combination of a four-bedroom floor plan and a mature 1991 build in one of Hampton Roads' most accessible cities. Chesapeake's lower density and quieter street character give this address a suburban ease that's genuinely hard to replicate closer to the water, all without sacrificing commute convenience to the region's largest military and civilian employment corridors.

COUNTRY ROADS and the Chesapeake real estate market

Chesapeake is the second-largest city by land area in the entire United States, and that scale translates into something residents feel every day — room to breathe. The area around Saddleback Trail sits in the 23320 zip code, a well-established part of central Chesapeake where neighborhoods from the late 1980s and early 1990s line up along tree-canopied streets. You're far enough from the congestion of downtown Norfolk to feel genuinely suburban, yet close enough to the interstate network that the rest of Hampton Roads is always within reach. Chesapeake consistently ranks among Virginia's safest and most livable cities, and the infrastructure reflects that: wide roads, maintained parks, and a commercial corridor along Battlefield Boulevard that handles most everyday errands without a long drive. The city's mix of working families, military households, and long-term residents creates a stable, grounded community feel that newer developments in the region often struggle to replicate.

What's nearby

Daily life around 940 Saddleback Trail is genuinely convenient. Battlefield Boulevard is the spine of local commerce — you'll find grocery anchors, pharmacies, urgent care clinics, and a full range of dining options within a few minutes' drive. Chesapeake City Park, one of the largest municipal parks in the region, is close by and offers walking trails, athletic fields, and open green space. For coffee runs, several independent and chain cafés dot the nearby retail strips. Interstate 64 and the Chesapeake Expressway are both accessible quickly, opening up Virginia Beach, Norfolk, and Portsmouth without a complicated commute.

For different buyers

For military families relocating

The USCG Finance Center Chesapeake is roughly ten minutes away, and Norfolk Naval Shipyard sits about twenty minutes out — making 940 Saddleback Trail a genuinely strategic address for service members at either installation. A VA loan can make ownership here straightforward, and the four-bedroom layout gives growing military families the space they actually need, not just what fits a starter budget.

For families upgrading

Four bedrooms and two full baths across 1,831 square feet means there's dedicated space for everyone — a real home office, a guest room, or that playroom you've been waiting to carve out. The 1991 build puts you in a mature neighborhood where the trees are grown, the streets are settled, and the community has real character. Chesapeake's school infrastructure and park access make this a natural fit for families ready to put down roots.

More buyer questions

How far is 940 Saddleback Trail from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is approximately 20 minutes from 940 Saddleback Trail under normal traffic conditions, with straightforward access via I-64 or surface routes through Portsmouth.

How far is 940 Saddleback Trail from the USCG Finance Center Chesapeake?

The USCG Finance Center Chesapeake is roughly 10 minutes away, making this one of the closest residential options to that installation in the area.

What is the lot and property type at 940 Saddleback Trail?

940 Saddleback Trail is a single-family residential property built in 1991, offering 1,831 square feet of living space with four bedrooms and two full bathrooms.

Is 940 Saddleback Trail in a flood zone?

Flood zone information for this address is available in the dedicated FloodRisk tile on this page, which pulls current FEMA map data for the 23320 zip code.

What grocery stores and everyday services are near 940 Saddleback Trail?

Battlefield Boulevard, just minutes from the address, hosts a full range of grocery stores, pharmacies, and dining options that cover most daily needs without a significant drive.

Want to walk through 940 Saddleback Trail or talk through what ownership looks like here? Reach out to Tom and Dariya Milan — they know Chesapeake well and are ready to help.

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

1991

Price / sqft

$300

HOA

None

Taxes

$4,316/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10642565

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…

Hurricane evacuation zone: Zone C · VDEM Know Your Zone

Outside all mapped AICUZ jet-noise contours and Accident Potential Zones.

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

$3,374/mo

Principal & interest

$2,854

Property tax

$360

Home insurance

$160

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

$452,555$510,000

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.

933 Saddleback Trail RD · 0.1 mi · 1,830 sqft$475,000 sold 2026-03
312 Gallenway TER · 0.5 mi · 1,800 sqft$470,000 sold 2026-06
929 Cantor ST · 1.1 mi · 1,811 sqft$510,000 sold 2026-05

Sale & Tax History

List Price

$550,000

Price / Sq Ft

$300

Annual Taxes

$4,316

Monthly Tax

$360

HOA

None

Tax Rate (effective)

0.78%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 1, 2026$550,000
Currently listed$550,000

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

1 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 940 Saddleback Trl in a good school zone?+
The assigned zones on the listing record are Great Bridge Primary, Great Bridge Middle (GreatSchools 7/10), Great Bridge (GreatSchools 7/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 940 Saddleback Trl 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 940 Saddleback Trl have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 940 Saddleback Trl built?+
It was built in 1991, 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 Jobel Daugherty · Howard Hanna Real Estate Svcs. · REIN MLS #10642565

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

940 Saddleback Trl, Chesapeake, Virginia 23320 · MLS #10642565 · 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.