1032 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1032 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Exempt (Full or Partial)
Details	5 bd · 3 ba · 2,089 sqft · built 1973
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$3,718 (2019)
Deeds & Mortgages	Feb 2024 Second Mortgage Feb 2018 Sale & Mortgage
APN	`0590000002230`

Property Details

APN / Parcel Number

Primary APN	`0590000002230`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,089 sqft Total Area
Gross Area	2,665 sqft
1st Floor Area	1,036 sqft
Upper Floors Area	1,036 sqft
Attic Area	1,036 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Lot Width	175 ft Width
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	1032 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-8800
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	A1: AGRICULTURAL
Legal Description	PT LOT 6 SUB OF ELMO R SPENCER 3.000 AC
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1015
Census Tract	21014

Owner

Source: Chesapeake City records, as of September 21, 2023

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	1032 WATERS RD, CHESAPEAKE, VA 23322-8800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF VETERANS AFFAIRS
Feb 9, 2018	Warranty Deed, Transfer · VA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2018
Deed Sale	Jun 16, 2018
Deed Document Number	0009882655
Deed Book / Page	9882 / 655
Prior Transfer Date	Feb 9, 2018
Prior Transfer Doc	180003516
Record Updated	Jun 7, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1032 WATERS RD, CHESAPEAKE, VA 23322-8800
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10729/1040
Date	Feb 28, 2024
Book Page	10729/1040
Instrument	240003727

Lender

Name	SECRETARY OF VETERANS AFFAIRS

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Feb 9, 2018
Property Address	1032 WATERS RD, CHESAPEAKE, VA 23322-8800
Document Number	9882/655
Book / Page	9882 / 655
Instrument Date	Feb 8, 2018
Instrument	180003516
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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 WATERS RD, CHESAPEAKE, VA 23322-8800

Mortgage

Document Number	180003517
Date	Feb 9, 2018
Instrument	180003517

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of August 1, 2023

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
2023		$383,600 Land $175,000 Building $208,600	$383,600 Land $175,000 Building $208,600
2019	$3,718.00

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 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2019–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2020 · rainfall accumulation

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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 186 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

Cell Coverage

5G (outdoors only) and 4G LTE

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