Chesapeake City property record for 1025 Winchester Way, Chesapeake, VA 23320
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,568 sqft · built 1989 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,573 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Jun 2020 Mortgage + 7 more |
| APN | 0385001001650 |
| Primary APN | 0385001001650 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,568 sqft Living Area |
| 1st Floor Area | 1,131 sqft |
| Upper Floors Area | 1,131 sqft |
| Attic | Attic |
| Attic Area | 506 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 169 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 15 sqft |
| Deck Area | 672 sqft |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1025 WINCHESTER WAY |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23320-8156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 165 KEMP WOODS SEC 2 |
| Legal Subdivision | KEMP WOODS,KEMP WOODS SOUTH |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 20804 |
1025 Winchester Way is owned and occupied by two individuals who acquired it in December 2016.
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 | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Sep 29, 2017 | Deed of Trust, Mortgage · VA Mortgage OVM FINANCIAL INC |
| Jun 25, 2020 | Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Sep 27, 2012 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Mar 12, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jan 4, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance OVM FINANCIAL INC |
| Mar 24, 2021 | Intrafamily Transfer, Transfer |
| Jun 25, 2020 | Intrafamily Transfer, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 4, 2018 | Intrafamily Transfer, Transfer |
| Jan 4, 2017 | Gift Deed, Transfer · Stand-Alone Refinance OVM FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2016 |
| Deed Sale | Sep 23, 2016 |
| Prior Sale | Jan 21, 2015 |
| Deed Document Number | 201626485 |
| Deed Book / Page | 9700 / 883 |
| Last Transfer Date | Dec 27, 2016 |
| Transfer Doc | 9741/1820 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 009839/568 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 9839/568 |
| Instrument | 170027017 |
| Name | OVM FINANCIAL INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | AMERICAN HOME TITLE |
| Name | Verified Name |
|---|
| Document Number | 010170/306 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 10170/306 |
| Instrument | 200020202 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008830/854 |
|---|---|
| Date | Sep 27, 2012 |
| Book Page | 8830/854 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2027 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010833/508 |
|---|---|
| Date | Mar 12, 2025 |
| Book Page | 10833/508 |
| Instrument | 250004871 |
| Name | SPRING EQ LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 09741/1824 |
|---|---|
| Date | Jan 4, 2017 |
| Book Page | 9741/1824 |
| Instrument | 170000312 |
| Name | OVM FINANCIAL INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 24, 2021 |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Number | 10337/1282 |
| Book / Page | 10337 / 1282 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 210013595 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jun 25, 2020 |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Number | 10170/303 |
| Book / Page | 10170 / 303 |
| Instrument Date | Jun 19, 2020 |
| Instrument | 200020201 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Number | 010170/306 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 10170/306 |
| Instrument | 200020202 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Dec 4, 2018 |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Number | 9971/1629 |
| Book / Page | 9971 / 1629 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 180031411 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jan 4, 2017 |
| Property Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Number | 9741/1820 |
| Book / Page | 9741 / 1820 |
| Instrument Date | Dec 27, 2016 |
| Instrument | 170000311 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 WINCHESTER WAY, CHESAPEAKE, VA 23320-8156 |
| Document Number | 9741/1824 |
|---|---|
| Date | Jan 4, 2017 |
| Book Page | 9741/1824 |
| Instrument | 170000312 |
| Name | OVM FINANCIAL INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1025 Winchester Way was $6,573, up 8.6% from the year before.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $645,000 (-0.89%) Land $180,000 Building $465,000 | $645,000 (-0.89%) Land $180,000 Building $465,000 | |
| 2025 | $6,573.00 (+8.64%) | $650,800 Land $170,000 Building $480,800 | $650,800 Land $170,000 Building $480,800 |
| 2024 | $6,050.00 | ||
| 2023 | $573,200 (+7.66%) Land $140,000 Building $433,200 | $573,200 (+7.66%) Land $140,000 Building $433,200 | |
| 2022 | $532,400 Land $135,000 Building $397,400 | $532,400 Land $135,000 Building $397,400 | |
| 2019 | $4,267.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1025 Winchester Way; 28 flood insurance policies are in force nearby.
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 28 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 28 in force |
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 risk around 1025 Winchester Way is low, with a 0.02% annual chance of wildfire.
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 | None beyond ember reach |
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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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