1032 Middle St, Chesapeake, VA 23324 Property Records

Chesapeake City property record for 1032 Middle St, Chesapeake, VA 23324

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,943 sqft · built 2019
Lot Size	0.061 acres (2,657 sqft)
Owner	Individual Name on File
Last Sale	$224,900 (May 2019)
Tax Bill	$3,498 (2025)
Deeds & Mortgages	Dec 2021 Refinance May 2019 Sale & Mortgage + 2 more
APN	`1520000000790`

Property Details

APN / Parcel Number

Primary APN	`1520000000790`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,943 sqft Living Area
1st Floor Area	459 sqft
Upper Floors Area	835 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
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

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	240 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1032 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	55 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

1032 Middle St is owned by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1028 EGRET LN, SUFFOLK, VA 23434-1531
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMM LOANS LLC
May 28, 2019	Warranty Deed, Transfer · VA Mortgage TOWNEBANK MORTGAGE
Jan 4, 2019	Warranty Deed, Transfer DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO
Dec 4, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2019 · Amount on File
Deed Sale	May 28, 2019 · Amount on File
Prior Sale	Jan 4, 2019 · Amount on File
Deed Document Number	201912563
Deed Book / Page	10015 / 1284
Prior Transfer Date	Nov 14, 2018
Prior Transfer Doc	09971/1603
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1032 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10496/1008
Date	Dec 16, 2021
Book Page	10496/1008
Instrument	210055861

Lender

Name	EMM LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.5%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 28, 2019
Property Address	1032 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	10015/1284
Book / Page	10015 / 1284
Instrument Date	May 24, 2019
Instrument	190012563
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	TITLEQUEST AGENCY INC, TITLEQUEST

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	1032 MIDDLE ST, CHESAPEAKE, VA 23324-1142

Mortgage

Document Number	190012564
Date	May 28, 2019
Instrument	190012564

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jan 4, 2019
Property Address	1032 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	9979/46
Book / Page	9979 / 46
Instrument Date	Dec 26, 2018
Instrument	190000342
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transaction

Amount	Amount 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	1409 RYLANDS RD, VIRGINIA BEACH, VA 23455-3929
Investor	Possibly a Property Investor

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 4, 2018
Property Address	1032 MIDDLE ST, CHESAPEAKE, VA 23324-1142
Document Number	9971/1603
Book / Page	9971 / 1603
Instrument Date	Nov 14, 2018
Instrument	180031407
Transaction Type	Foreclosure
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 WASHINGTON ST, PORTSMOUTH, VA 23704-3507

Tax Assessment & Valuation

The 2025 property tax bill for 1032 Middle St was $3,498.

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		$365,000 (+5.4%) Land $105,000 Building $260,000	$365,000 (+5.4%) Land $105,000 Building $260,000
2025	$3,498.00	$346,300 Land $100,000 Building $246,300	$346,300 Land $100,000 Building $246,300
2023		$310,800 (+17.24%) Land $80,000 Building $230,800	$310,800 (+17.24%) Land $80,000 Building $230,800
2022		$265,100 Land $70,000 Building $195,100	$265,100 Land $70,000 Building $195,100
2019	$2,281.00

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 1032 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 1032 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.

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