1052 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1052 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 6,270 sqft · built 1980
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Oct 2004)
Tax Bill	$8,893 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2010 Line of Credit
APN	`0590000002190`

Property Details

APN / Parcel Number

Primary APN	`0590000002190`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	6,270 sqft Living Area
1st Floor Area	1,775 sqft
Attic	Attic
Attic Area	534 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Lot Width	202 ft Width
Garage Type	Attached
Garage Area	4,392 sqft
Parking Spaces	15 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	730 sqft
Deck Area	Deck Area
Patio Area	1,254 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1052 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1: AGRICU
Legal Description	2 SUB OF ELMO R SPENCER 5 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 May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1052 WATERS RD, CHESAPEAKE, VA 23322-8800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2017	Deed of Trust, Mortgage SOUTHERN BANK AND TRUST COMPANY
Jun 4, 2010	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2004 · Amount on Record
Deed Sale	Oct 25, 2004 · Amount on Record
Deed Book / Page	5685 / 747
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1052 WATERS RD, CHESAPEAKE, VA 23322-8800
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09819/1698
Date	Aug 8, 2017
Book Page	9819/1698
Instrument	170021614

Lender

Name	SOUTHERN BANK AND TRUST COMPANY

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1052 WATERS RD, CHESAPEAKE, VA 23322-8800
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008129/83
Date	Jun 4, 2010
Book Page	8129/83

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 12, 2050

Interest

Rate Type	Adjustable 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	$8,893.00 (+60.21%)	$880,500 (+18.47%) Land $252,000 Building $628,500	$880,500 (+18.47%) Land $252,000 Building $628,500
2023		$743,200 (+8.72%) Land $192,000 Building $551,200	$743,200 (+8.72%) Land $192,000 Building $551,200
2022		$683,600 Land $182,000 Building $501,600	$683,600 Land $182,000 Building $501,600
2019	$5,551.00

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 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.03% 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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