1148 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1148 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,651 sqft · built 1978
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Dec 2000)
Tax Bill	$6,004 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Nov 2020 Refinance + 4 more
APN	`0590000000403`

Property Details

APN / Parcel Number

Primary APN	`0590000000403`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,651 sqft Living Area
1st Floor Area	1,611 sqft
Upper Floors Area	1,040 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)
Lot Dimensions	428 ft deep x 215 ft wide
Garage Type	Detached
Garage Area	1,050 sqft

Exterior Amenities

Pool Area	684 sqft
Porch	Open Porch
Porch Area	240 sqft
Deck Area	Deck Area
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1148 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1: AGRICU
Legal Description	PAR C T G MULLINS PROP 4 AC
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1015
Census Tract	21014

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 16021, CHESAPEAKE, VA 23328-6021
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Jan 28, 2011	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 23, 2008	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2000 · Amount on Record
Deed Sale	Dec 27, 2000 · Amount on Record
Deed Book / Page	4187 / 649
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1148 WATERS RD, CHESAPEAKE, VA 23322-8802
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	STEWART TITLE, STEWART TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009964/135
Date	Oct 31, 2018
Book Page	9964/135
Instrument	180028834

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.88%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1148 WATERS RD, CHESAPEAKE, VA 23322-8802
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10263/1292
Date	Nov 25, 2020
Book Page	10263/1292
Instrument	200044500

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.25%

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1148 WATERS RD, CHESAPEAKE, VA 23322-8802
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008324/143
Date	Jan 28, 2011
Book Page	8324/143

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5%

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1148 WATERS RD, CHESAPEAKE, VA 23322-8802
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007557/409
Date	Jul 23, 2008
Book Page	7557/409

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1148 WATERS RD, CHESAPEAKE, VA 23322-8802
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010057/823
Date	Sep 19, 2019
Book Page	10057/823
Instrument	190025144

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1148 WATERS RD, CHESAPEAKE, VA 23322-8802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10057/823
Date	Sep 19, 2019
Book Page	10057/823
Instrument	190025144

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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		$654,400 (+10.08%) Land $274,800 Building $379,600	$654,400 (+10.08%) Land $274,800 Building $379,600
2025	$6,004.00 (+42.04%)	$594,500 (+20.96%) Land $243,500 Building $351,000	$594,500 (+20.96%) Land $243,500 Building $351,000
2023		$491,500 (+11.07%) Land $183,500 Building $308,000	$491,500 (+11.07%) Land $183,500 Building $308,000
2022		$442,500 Land $173,500 Building $269,000	$442,500 Land $173,500 Building $269,000
2019	$4,227.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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

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

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