1145 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1145 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,692 sqft · built 1953
Lot Size	1.66 acres (72,310 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (May 2021)
Tax Bill	$4,338 (2025)
Deeds & Mortgages	Sep 2019 Mortgage May 2021 Sale & Mortgage + 1 more
APN	`0590000000380`

Property Details

APN / Parcel Number

Primary APN	`0590000000380`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,692 sqft
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,310 sqft (1.66 acres)

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1145 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-8803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	JOHNSTOWN ROAD 1.66 AC
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1015
Census Tract	21011

Owner

1145 Waters Rd is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1145 WATERS RD, CHESAPEAKE, VA 23322-8803
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 30, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC
Jun 26, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on File
Deed Sale	May 14, 2021 · Amount on File
Prior Sale	Jun 26, 2018 · Amount on File
Deed Document Number	202122183
Deed Book / Page	10371 / 95
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1145 WATERS RD, CHESAPEAKE, VA 23322-8803
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010061/443
Date	Sep 30, 2019
Book Page	10061/443
Instrument	190026169

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 14, 2021
Property Address	1145 WATERS RD, CHESAPEAKE, VA 23322-8803
Document Number	10371/95
Book / Page	10371 / 95
Instrument Date	May 7, 2021
Instrument	210022183
Transaction Type	Transfer
Record Updated	Jun 2, 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	1145 WATERS RD, CHESAPEAKE, VA 23322-8803
Investor	Possibly a Property Investor

Mortgage

Document Number	210022184
Date	May 14, 2021
Instrument	210022184

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 26, 2018
Property Address	1145 WATERS RD, CHESAPEAKE, VA 23322-8803
Document Number	9927/923
Book / Page	9927 / 923
Instrument Date	Jun 25, 2018
Instrument	180016793
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	SELECT SETTLEMENT GROUP LLC, SELECT SETTLEMENT GROUP INC

Transaction

Amount	Amount 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	1145 WATERS RD, CHESAPEAKE, VA 23322-8803

Mortgage

Document Number	180016794
Date	Jun 26, 2018
Instrument	180016794

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1145 Waters Rd was $4,338.

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		$458,500 (+6.75%) Land $203,600 Building $254,900	$458,500 (+6.75%) Land $203,600 Building $254,900
2025	$4,338.00	$429,500 Land $180,500 Building $249,000	$429,500 Land $180,500 Building $249,000
2023		$364,200 (+9.67%) Land $141,600 Building $222,600	$364,200 (+9.67%) Land $141,600 Building $222,600
2022		$332,100 Land $131,600 Building $200,500	$332,100 Land $131,600 Building $200,500
2019	$2,437.00

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 1145 Waters Rd; 27 flood insurance policies are in force nearby.

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 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 in force

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 1145 Waters 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.

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

Nearby Properties on Waters Rd

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