Chesapeake City property record for 1151 Commerce Ave, Chesapeake, VA 23324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,308 sqft · built 2005 |
| Lot Size | 0.081 acres (3,528 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Dec 2006) |
| Tax Bill | $2,344 (2025) |
| Deeds & Mortgages | Sep 2022 Refinance Nov 2007 Second Mortgage + 3 more |
| APN | 1280000003640 |
| Primary APN | 1280000003640 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,308 sqft Living Area |
| 1st Floor Area | 654 sqft |
| Upper Floors Area | 654 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,528 sqft (0.081 acres) |
| Lot Width | 25 ft Width |
| Porch | Open Porch |
|---|---|
| Porch Area | 106 sqft |
| Deck Area | 654 sqft |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1151 COMMERCE AVE |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23324-3305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSFA1: SIN |
| Legal Description | 107 HOYE |
| Legal Subdivision | HOYE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 20200 |
1151 Commerce Ave is owned and occupied by an individual who bought it in December 2006.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1151 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| 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.
| Date | Document |
|---|---|
| Sep 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW AMERICAN FUNDING |
| Nov 1, 2007 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK OF AMERICA NA |
| Nov 1, 2007 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Aug 8, 2008 | Deed of Trust, Mortgage · Line of Credit STEADFAST INSURANCE COMP |
| Jan 26, 2005 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2006 · Amount on File |
| Deed Sale | Dec 5, 2006 · Amount on File |
| Prior Sale | Jan 12, 2006 · Amount on File |
| Deed Book / Page | 6861 / 867 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1151 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0010601/70 |
|---|---|
| Date | Sep 14, 2022 |
| Book Page | 10601/70 |
| Instrument | 220028892 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1151 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007263/866 |
|---|---|
| Date | Nov 1, 2007 |
| Book Page | 7263/866 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Oct 1, 2022 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1151 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007263/849 |
|---|---|
| Date | Nov 1, 2007 |
| Book Page | 7263/849 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1151 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007574/126 |
|---|---|
| Date | Aug 8, 2008 |
| Book Page | 7574/126 |
| Name | STEADFAST INSURANCE COMP |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jan 26, 2005 |
| Property Address | 1151 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Document Number | 005814/525 |
| Book / Page | 5814 / 525 |
| Instrument Date | May 14, 2004 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 1151 Commerce Ave was $2,344.
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 | $241,000 (+3.83%) Land $80,000 Building $161,000 | $241,000 (+3.83%) Land $80,000 Building $161,000 | |
| 2025 | $2,344.00 | $232,100 Land $75,000 Building $157,100 | $232,100 Land $75,000 Building $157,100 |
| 2023 | $200,200 (+11.97%) Land $65,000 Building $135,200 | $200,200 (+11.97%) Land $65,000 Building $135,200 | |
| 2022 | $178,800 Land $50,000 Building $128,800 | $178,800 Land $50,000 Building $128,800 | |
| 2019 | $1,612.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1151 Commerce Ave; there have been 2 flood claims nearby since 2016.
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.
The area around 1151 Commerce Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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