Chesapeake City property record for 1173 Commerce Ave, Chesapeake, VA 23324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,915 sqft · built 2010 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | Individual Name on File |
| Last Sale | $154,000 (Apr 2011) |
| Tax Bill | $3,292 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Dec 2018 Mortgage + 5 more |
| APN | 1280000003730 |
| Primary APN | 1280000003730 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,915 sqft Living Area |
| 1st Floor Area | 828 sqft |
| Upper Floors Area | 828 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,186 sqft (0.142 acres) |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | 288 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1173 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 | 118-119 HOYE |
| Legal Subdivision | HOYE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 20200 |
1173 Commerce Ave is owned and occupied by an individual who bought it in April 2011.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1173 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 |
|---|---|
| Aug 28, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Dec 28, 2018 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 20, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Oct 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Feb 17, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| Apr 6, 2016 | Deed of Trust, Mortgage · FHA Mortgage R M K FINANCIAL CORP |
| Jul 26, 2010 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2011 · Amount on File |
| Deed Sale | Apr 25, 2011 · Amount on File |
| Prior Sale | Jul 26, 2010 · Amount on File |
| Deed Book / Page | 8386 / 234 |
| Prior Transfer Date | Dec 12, 2008 |
| Prior Transfer Doc | 007680/264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | TITLE SOURCES INC, TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 09826/1174 |
|---|---|
| Date | Aug 28, 2017 |
| Book Page | 9826/1174 |
| Instrument | 170023565 |
| Name | QUICKEN LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 09977/1374 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 9977/1374 |
| Instrument | 180033478 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10023/1876 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 10023/1876 |
| Instrument | 190015048 |
| Name | QUICKEN LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 010458/155 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 10458/155 |
| Instrument | 210045348 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 333 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10522/1514 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | 10522/1514 |
| Instrument | 220005736 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | DOCUMENT PROCESSING SOLUTIONS, DOCUMENT PROCESSING SOLUTION |
| Name | Verified Name |
|---|
| Document Number | 009629/886 |
|---|---|
| Date | Apr 6, 2016 |
| Book Page | 9629/886 |
| Instrument | 160008588 |
| Name | R M K FINANCIAL CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 26, 2010 |
| Property Address | 1173 COMMERCE AVE, CHESAPEAKE, VA 23324-3305 |
| Document Number | 0008168/76 |
| Book / Page | 8168 / 76 |
| Instrument Date | Jul 23, 2010 |
| 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 |
|---|---|
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1173 Commerce Ave was $3,292, up 4.1% from the year before.
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 | $336,700 (+3.31%) Land $90,000 Building $246,700 | $336,700 (+3.31%) Land $90,000 Building $246,700 | |
| 2025 | $3,292.00 (+4.14%) | $325,900 Land $85,000 Building $240,900 | $325,900 Land $85,000 Building $240,900 |
| 2024 | $3,161.00 | ||
| 2023 | $284,600 (+9.34%) Land $75,000 Building $209,600 | $284,600 (+9.34%) Land $75,000 Building $209,600 | |
| 2022 | $260,300 Land $60,000 Building $200,300 | $260,300 Land $60,000 Building $200,300 | |
| 2019 | $2,261.00 |
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 1173 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 1173 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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