1016 Middle St, Chesapeake, VA 23324 Property Records

Chesapeake City property record for 1016 Middle St, Chesapeake, VA 23324

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,681 sqft · built 2016
Lot Size	0.061 acres (2,657 sqft)
Owner	2 Individual Names on File
Last Sale	$356,000 (Jun 2026)
Tax Bill	$3,210 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2022 Sale & Mortgage + 4 more
APN	`1520000000730`

Property Details

APN / Parcel Number

Primary APN	`1520000000730`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,681 sqft Living Area
1st Floor Area	704 sqft
Upper Floors Area	704 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
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	273 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	44 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1016 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	61 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

1016 Middle St is owned and occupied by two individuals who bought it in June 2026.

Source: Chesapeake City records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Bargain and Sale Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE
Apr 5, 2022	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC
Dec 27, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jan 12, 2021	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS
Mar 10, 2017	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2026 · Amount on File
Deed Sale	Jun 24, 2026 · Amount on File
Prior Sale	Apr 5, 2022 · Amount on File
Deed Document Number	202616243
Deed Book / Page	10993 / 1927
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 24, 2026
Property Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	0000016243
Book / Page	10993 / 1927
Instrument Date	Jun 18, 2026
Instrument	202616243
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,956.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016244,
Date	Jun 24, 2026
Instrument	202616244

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 5, 2022
Property Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	10542/1557
Book / Page	10542 / 1557
Instrument Date	Mar 17, 2022
Instrument	220011549
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142

Mortgage

Document Number	0220011550
Date	Apr 5, 2022
Instrument	220011550

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9869/811
Date	Dec 27, 2017
Book Page	9869/811
Instrument	170035563

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10233/1623
Date	Oct 8, 2020
Book Page	10233/1623
Instrument	200036977

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jan 12, 2021
Property Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	10291/520
Book / Page	10291 / 520
Instrument Date	Jan 6, 2021
Instrument	210001707
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142

Mortgage

Document Number	210001708
Date	Jan 12, 2021
Instrument	210001708

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Mar 10, 2017
Property Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	9763/1594
Book / Page	9763 / 1594
Instrument Date	Mar 9, 2017
Instrument	170006616
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	VIRGINIA HOME TITLE AND SETTLEMENT, VIRGINIA HOME TITLE & STLMNT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 MIDDLE ST, CHESAPEAKE, VA 23324-1142

Mortgage

Document Number	170006617
Date	Mar 10, 2017
Instrument	170006617

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1016 Middle St was $3,210, up 6.7% from the year before.

Source: Chesapeake City assessment roll, as of October 13, 2026

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
2026		$334,800 (+5.35%) Land $105,000 Building $229,800	$334,800 (+5.35%) Land $105,000 Building $229,800
2025	$3,210.00 (+6.68%)	$317,800 Land $100,000 Building $217,800	$317,800 Land $100,000 Building $217,800
2024	$3,009.00
2023		$283,900 (+17.07%) Land $80,000 Building $203,900	$283,900 (+17.07%) Land $80,000 Building $203,900
2022		$242,500 Land $70,000 Building $172,500	$242,500 Land $70,000 Building $172,500
2019	$2,101.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 1016 Middle St; there have been 47 flood claims nearby since 1978.

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 File 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

Wildfire risk around 1016 Middle St is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Middle St

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