1128 Benefit Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1128 Benefit Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,579 sqft · built 2016
Lot Size	9.81 acres (427,324 sqft)
Owner	2 Individual Names on File
Last Sale	$1,190,000 (Feb 2020)
Tax Bill	$6,815 (2025)
Deeds & Mortgages	Sep 2020 Refinance Jan 2017 Line of Credit + 2 more
APN	`0840000000284`

Property Details

APN / Parcel Number

Primary APN	`0840000000284`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,579 sqft Living Area
1st Floor Area	1,087 sqft
Upper Floors Area	1,091 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	427,324 sqft (9.81 acres)
Garage Type	Attached
Garage Area	401 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	165 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1128 BENEFIT RD
City	CHESAPEAKE
State	VA
Zip	23322-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1: AGRICU
Legal Description	3 BOON ACRES SUBD TR 3 PLT S J BROWN EST 9.81 AC
Legal Subdivision	WHOLE MAP 084
Legal Tract	3
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1102
Census Tract	21004

Owner

1128 Benefit Rd is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702
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 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Jan 23, 2017	Deed of Trust, Mortgage · Line of Credit NEWTEK SMALL BUSINESS FINANCE LLC
Feb 3, 2020	Special Warranty Deed, Transfer · Commercial Mortgage SOUTHERN BANK AND TRUST CO
Jan 23, 2017	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Prior Sale	Jan 23, 2017 · Amount on File
Deed Document Number	20203283
Deed Book / Page	10108 / 406
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010223/209
Date	Sep 22, 2020
Book Page	10223/209
Instrument	200034093

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9747/750
Date	Jan 23, 2017
Book Page	9747/750
Instrument	170001861

Lender

Name	NEWTEK SMALL BUSINESS FINANCE LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	13 Months
Due	Feb 15, 2018

Interest

Rate Type	Fixed Rate

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Feb 3, 2020
Property Address	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702
Document Number	10108/406
Book / Page	10108 / 406
Instrument Date	Jan 30, 2020
Instrument	200003283
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702

Mortgage

Document Number	200003284
Date	Feb 3, 2020
Instrument	200003284

Lender

Name	SOUTHERN BANK AND TRUST CO

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jan 23, 2017
Property Address	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702
Document Number	9747/727
Book / Page	9747 / 727
Instrument Date	Dec 23, 2016
Instrument	170001859
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	1128 BENEFIT RD, CHESAPEAKE, VA 23322-2702

Mortgage

Document Number	170001860
Date	Jan 23, 2017
Instrument	170001860

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1128 Benefit Rd was $6,815.

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		$714,600 (+5.9%) Land $284,300 Building $430,300	$714,600 (+5.9%) Land $284,300 Building $430,300
2025	$6,815.00	$674,800 Land $250,700 Building $424,100	$674,800 Land $250,700 Building $424,100
2023		$596,100 (+4.41%) Land $200,700 Building $395,400	$596,100 (+4.41%) Land $200,700 Building $395,400
2022		$570,900 Land $180,700 Building $390,200	$570,900 Land $180,700 Building $390,200
2019	$4,743.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 1128 Benefit Rd; there have been 3 flood claims nearby since 2005.

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 82 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	3 (2005–2016)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 2 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 1128 Benefit Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Benefit Rd

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