Chesapeake City property record for 1118 Commerce Ave, Chesapeake, VA 23324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,972 sqft · built 2014 |
| Lot Size | 0.103 acres (4,487 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Aug 2024) |
| Tax Bill | $3,329 (2025) |
| Deeds & Mortgages | May 2022 Second Mortgage Jun 2017 Refinance + 1 more |
| APN | 1280000002310 |
| Primary APN | 1280000002310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,972 sqft Living Area |
| 1st Floor Area | 998 sqft |
| Upper Floors Area | 974 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,487 sqft (0.103 acres) |
| Lot Dimensions | 120 ft deep x 37 ft wide |
| Garage Type | Detached |
| Porch | Open Porch |
| Porch Area | 52 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1118 COMMERCE AVE |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23324-3306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSFA1: SIN |
| Legal Description | 9-A RESUB LOTS 7,8 & 9 W S HOYE SUBDIVISION |
| Legal Subdivision | HOYE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20200 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 1118 COMMERCE AVE, CHESAPEAKE, VA 23324-3306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT DIGITAL FINANCE INC |
| Jun 6, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2024 · Amount on Record |
| Deed Sale | Aug 13, 2024 · Amount on Record |
| Prior Sale | Jul 3, 2014 · Amount on Record |
| Deed Document Number | 202416524 |
| Deed Book / Page | 10775 / 1466 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1118 COMMERCE AVE, CHESAPEAKE, VA 23324-3306 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 10560/1779 |
|---|---|
| Date | May 18, 2022 |
| Book Page | 10560/1779 |
| Instrument | 220016816 |
| Name | POINT DIGITAL FINANCE INC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1118 COMMERCE AVE, CHESAPEAKE, VA 23324-3306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BCHH TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 9794/1980 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 9794/1980 |
| Instrument | 170015100 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1118 COMMERCE AVE, CHESAPEAKE, VA 23324-3306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10281/67 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 10281/67 |
| Instrument | 200049033 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $340,700 (+3.37%) Land $90,000 Building $250,700 | $340,700 (+3.37%) Land $90,000 Building $250,700 | |
| 2025 | $3,329.00 (+46.72%) | $329,600 (+14.84%) Land $85,000 Building $244,600 | $329,600 (+14.84%) Land $85,000 Building $244,600 |
| 2023 | $287,000 (+9.42%) Land $75,000 Building $212,000 | $287,000 (+9.42%) Land $75,000 Building $212,000 | |
| 2022 | $262,300 Land $60,000 Building $202,300 | $262,300 Land $60,000 Building $202,300 | |
| 2019 | $2,269.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 620 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 |
| Verizon Fixed Wireless | 300 / 20 |
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