1109 Holmes Trl, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1109 Holmes Trl, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,846 sqft · built 1994
Lot Size	3.19 acres (139,218 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (May 2017)
Tax Bill	$5,973 (2025)
Deeds & Mortgages	Sep 2020 Refinance May 2017 Sale & Mortgage
APN	`0590000002580`

Property Details

APN / Parcel Number

Primary APN	`0590000002580`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,846 sqft Living Area
1st Floor Area	1,098 sqft
Upper Floors Area	1,098 sqft
Attic	Attic
Attic Area	648 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	139,218 sqft (3.19 acres)
Lot Dimensions	519 ft deep x 551 ft wide
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	576 sqft
Deck Area	648 sqft
Patio Area	542 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1109 HOLMES TRL
City	CHESAPEAKE
State	VA
Zip	23322-7367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1: AGRICU
Legal Description	LOT 7 WHISPERING PINES SOUTH SEC TWO 3.196
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1018
Census Tract	21014

Owner

1109 Holmes Trl is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1109 HOLMES TRL, CHESAPEAKE, VA 23322-7367
Occupancy	Owner Occupied
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
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AURORA FINANCIAL LLC
May 16, 2017	Warranty Deed, Transfer · Conventional Mortgage AURORA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on File
Deed Sale	May 16, 2017 · Amount on File
Prior Sale	Jul 1, 2014 · Amount on File
Deed Document Number	201713020
Deed Book / Page	9787 / 787
Prior Transfer Date	Nov 20, 2013
Prior Transfer Doc	9311/0750
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1109 HOLMES TRL, CHESAPEAKE, VA 23322-7367
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	GLOBAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10218/1907
Date	Sep 15, 2020
Book Page	10218/1907
Instrument	200032921

Lender

Name	AURORA FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 16, 2017
Property Address	1109 HOLMES TRL, CHESAPEAKE, VA 23322-7367
Document Number	9787/787
Book / Page	9787 / 787
Instrument Date	May 10, 2017
Instrument	170013020
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	GLOBAL TITLE SERVICES LLC, GLOBAL TITLE SERVICES

Transaction

Amount	Amount on Record
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	1109 HOLMES TRL, CHESAPEAKE, VA 23322-7367

Mortgage

Document Number	170013021
Date	May 16, 2017
Instrument	170013021

Lender

Name	AURORA FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1109 Holmes Trl was $5,973.

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		$667,600 (+12.88%) Land $266,900 Building $400,700	$667,600 (+12.88%) Land $266,900 Building $400,700
2025	$5,973.00	$591,400 Land $236,700 Building $354,700	$591,400 Land $236,700 Building $354,700
2023		$482,100 (+8.7%) Land $176,700 Building $305,400	$482,100 (+8.7%) Land $176,700 Building $305,400
2022		$443,500 Land $166,700 Building $276,800	$443,500 Land $166,700 Building $276,800
2019	$4,302.00

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 1109 Holmes Trl; there have been 2 flood claims nearby since 2019.

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 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

Wildfire risk around 1109 Holmes Trl is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Holmes Trl

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