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1085 Bells Mill Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1085 Bells Mill Rd, Chesapeake, VA 23322

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,531 sqft · built 2002
Lot Size0.44 acres (19,166 sqft)
Owner2 Individual Names on File
Last Sale$375,000 (May 2023)
Tax Bill$3,737 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Jun 2020 Sale & Mortgage
+ 1 more
APN0470000000240

Property Details

APN / Parcel Number

Primary APN0470000000240

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,531 sqft Living Area
1st Floor Area1,180 sqft
AtticAttic
Attic Area260 sqft
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2020
Exterior MaterialAluminum/Vinyl
Construction TypeBrick
Roof TypeGable
Roof MaterialAsphalt
Lot Area19,166 sqft (0.44 acres)
Lot Dimensions207 ft deep x 98 ft wide
Garage TypeAttached
Garage Area260 sqft

Exterior Amenities

PorchSlab
Porch Area96 sqft
Patio Area122 sqft
Shed1 Shed
Shed Area265 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1085 BELLS MILL RD
CityCHESAPEAKE
StateVA
Zip23322-7043
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10S: RESI
Legal DescriptionRMNDR PT LT 1 E WATSON & R & J WATSON & MYERS .440
Legal SubdivisionBELLS MILL MISC MAPS 046, 047
JurisdictionCHESAPEAKE CITY VA
Township / Civil DivisionCHESAPEAKE
Census Block Group2
Census Block2002
Census Tract21005

Owner

1085 Bells Mill Rd is owned and occupied by two individuals who bought it in May 2023.

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 Record2 Individual Names on File
Mailing Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 24, 2023Warranty Deed, Transfer · FHA Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Jun 18, 2020Warranty Deed, Transfer · VA Mortgage
NAVY FEDERAL CREDIT UNION
Mar 12, 2020Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 24, 2023 · Amount on File
Deed SaleMay 24, 2023 · Amount on File
Prior SaleJun 18, 2020 · Amount on File
Deed Document Number202310650
Deed Book / Page10664 / 782
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateMay 24, 2023
Property Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043
Document Number010664/782
Book / Page10664 / 782
Instrument DateMay 22, 2023
Instrument230010650
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043

Mortgage

Document Number0230010651
DateMay 24, 2023
Instrument230010651
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
Agreement
TypeFHA Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateJun 18, 2020
Property Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043
Document Number10166/1375
Book / Page10166 / 1375
Instrument DateJun 12, 2020
Instrument200019273
Transaction TypeTransfer
Record UpdatedSep 6, 2022
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043

Mortgage

Document Number0200019274
DateJun 18, 2020
Instrument200019274
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeVA Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateMar 12, 2020
Property Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043
Document Number10123/1935
Book / Page10123 / 1935
Instrument DateMar 11, 2020
Instrument200007931
Transaction TypeTransfer
Record UpdatedSep 6, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1085 BELLS MILL RD, CHESAPEAKE, VA 23322-7043

Tax Assessment & Valuation

The 2025 property tax bill for 1085 Bells Mill Rd was $3,737.

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

Property Jurisdictions

TypeName
StateVirginia
MunicipalityChesapeake City
Unified School DistrictChesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$401,300 (+8.46%) Land $180,000 Building $221,300$401,300 (+8.46%) Land $180,000 Building $221,300
2025$3,737.00$370,000 Land $160,000 Building $210,000$370,000 Land $160,000 Building $210,000
2023$348,600 (+13.07%) Land $140,000 Building $208,600$348,600 (+13.07%) Land $140,000 Building $208,600
2022$308,300 Land $125,000 Building $183,300$308,300 Land $125,000 Building $183,300
2019$2,674.00

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 1085 Bells Mill Rd; there have been 63 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Flood Insurance CostPremium on File
median of 253 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies253 in force
Nearby Flood Claims63 (1978–2016)
Most Recent ClaimOct 2016 · Hurricane Matthew
Claims by Event
  • Hurricane Irene, Aug 2011 · 9 claims
  • Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 9 claims
  • Hurricane Isabel, Sep 2003 · 6 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 1085 Bells Mill Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemCITY OF CHESAPEAKE - NORTHWEST RIVER SYS
serves 165,240 people · EPA ID VA3550051
Water SourceSurface water
Last State InspectionJun 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 105 locations within half a mile, as of December 31, 2025

ProviderMax 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

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