1010 Middle St, Chesapeake, VA 23324 Property Records

Chesapeake City property record for 1010 Middle St, Chesapeake, VA 23324

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,616 sqft · built 2014
Lot Size	0.061 acres (2,657 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jul 2015)
Tax Bill	$3,117 (2025)
Deeds & Mortgages	May 2023 Refinance May 2022 Refinance + 1 more
APN	`1520000000700`

Property Details

APN / Parcel Number

Primary APN	`1520000000700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,616 sqft Living Area
1st Floor Area	688 sqft
Upper Floors Area	688 sqft
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,657 sqft (0.061 acres)
Lot Dimensions	90 ft deep x 30 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	32 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1010 MIDDLE ST
City	CHESAPEAKE
State	VA
Zip	23324-1142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6: RESIDE
Legal Description	64 SOUTH HILL
Legal Subdivision	SOUTH HILL
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1014
Census Tract	20500

Owner

Source: Chesapeake City records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1010 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jan 22, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2015 · Amount on Record
Deed Sale	Jul 13, 2015 · Amount on Record
Deed Book / Page	9534 / 1812
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1010 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010663/689
Date	May 19, 2023
Book Page	10663/689
Instrument	230010344

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1010 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10562/1640
Date	May 24, 2022
Book Page	10562/1640
Instrument	220017446

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.63%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1010 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10103/1193
Date	Jan 22, 2020
Book Page	10103/1193
Instrument	200001917

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of August 25, 2025

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
2025	$3,117.00 (+54.61%)	$308,600 (+12.18%) Land $100,000 Building $208,600	$308,600 (+12.18%) Land $100,000 Building $208,600
2023		$275,100 (+18.12%) Land $80,000 Building $195,100	$275,100 (+18.12%) Land $80,000 Building $195,100
2022		$232,900 Land $70,000 Building $162,900	$232,900 Land $70,000 Building $162,900
2019	$2,016.00

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 Record median of 119 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	196 units insured incl. 77 condo units
Nearby Flood Claims	47 (1978–2024)
Claims Outside the SFHA	3 of 47
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 8 claims Hurricane Isabel, Sep 2003 · 4 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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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