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1220 Commerce Ave, Chesapeake, VA 23324 Property Records

Chesapeake City property record for 1220 Commerce Ave, Chesapeake, VA 23324

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,216 sqft · built 1910
Lot Size0.065 acres (2,831 sqft)
OwnerIndividual Name on Record
Last Sale$200,000 (Nov 2021)
Tax Bill$2,176 (2025)
Deeds & MortgagesNov 2021 Second Mortgage
Nov 2021 Sale & Mortgage
+ 3 more
APN1280000002000

Property Details

APN / Parcel Number

Primary APN1280000002000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,216 sqft Living Area
1st Floor Area784 sqft
Upper Floors Area432 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 2021
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area2,831 sqft (0.065 acres)
PorchOpen Porch
Porch Area84 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1220 COMMERCE AVE
CityCHESAPEAKE
StateVA
Zip23324-3308
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSFA1: SIN
Legal Description48 HOYE
Legal SubdivisionHOYE
JurisdictionCHESAPEAKE CITY VA
Township / Civil DivisionCHESAPEAKE
Census Block Group2
Census Block2004
Census Tract20200

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 RecordIndividual Name on Record
Mailing Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 12, 2021Deed of Trust, Mortgage · Stand-Alone Second Mortgage
EVOLVE BANK & TRUST
Nov 12, 2021Warranty Deed, Transfer · FHA Mortgage
EVOLVE BANK & TRUST
Feb 3, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 30, 2017Special Warranty Deed, Transfer
EQUITY TITLE COMPANY
Jun 7, 2017Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 12, 2021 · Amount on Record
Deed SaleNov 12, 2021 · Amount on Record
Prior SaleFeb 3, 2021 · Amount on Record
Deed Document Number202151020
Deed Book / Page10479 / 500
Prior Transfer DateMay 30, 2017
Prior Transfer Doc0009796/75
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHESAPEAKE CITY VA
Property Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308
Transaction TypeMortgage
Record UpdatedSep 6, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number010479/517
DateNov 12, 2021
Book Page10479/517
Instrument210051022
Lender
NameEVOLVE BANK & TRUST
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051
Interest
Rate TypeFixed Rate

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateNov 12, 2021
Property Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308
Document Number010479/500
Book / Page10479 / 500
Instrument DateNov 9, 2021
Instrument210051020
Transaction TypeTransfer
Record UpdatedSep 23, 2022
Title CompanyTITLEQUEST OF HAMPTON ROADS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308

Mortgage

Document Number0210051021
DateNov 12, 2021
Instrument210051021
Lender
NameEVOLVE BANK & TRUST
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051
Interest
Rate TypeFixed Rate

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateFeb 3, 2021
Property Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308
Document Number10304/1812
Book / Page10304 / 1812
Instrument DateJan 28, 2021
Instrument210005211
Transaction TypeTransfer
Record UpdatedSep 6, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address215 RAVENNA CRSE, CHESAPEAKE, VA 23322-6968

November 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateNov 30, 2017
Property Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308
Document Number09860/1547
Book / Page9860 / 1547
Instrument DateNov 28, 2017
Instrument170033120
Transaction TypeTransfer
Record UpdatedSep 6, 2022
Title CompanyEQUITY TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308

June 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionCHESAPEAKE CITY VA
Recording DateJun 7, 2017
Property Address1220 COMMERCE AVE, CHESAPEAKE, VA 23324-3308
Document Number0009796/75
Book / Page9796 / 75
Instrument DateMay 30, 2017
Instrument170015402
Transaction TypeForeclosure
Record UpdatedSep 6, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 650043, DALLAS, TX 75265-0043
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateVirginia
MunicipalityChesapeake City
Unified School DistrictChesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$225,500 (+4.69%) Land $80,000 Building $145,500$225,500 (+4.69%) Land $80,000 Building $145,500
2025$2,176.00 (+77.49%)$215,400 (+12.77%) Land $75,000 Building $140,400$215,400 (+12.77%) Land $75,000 Building $140,400
2023$191,000 (+12.68%) Land $65,000 Building $126,000$191,000 (+12.68%) Land $65,000 Building $126,000
2022$169,500 Land $50,000 Building $119,500$169,500 Land $50,000 Building $119,500
2019$1,226.00

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 ZoneNot on file
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims2 (2016)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 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

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

Wildfire RiskNot rated
no burnable land within ember reach

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 SystemCITY OF CHESAPEAKE - NORTHWEST RIVER SYS
serves 165,240 people · EPA ID VA3550051
Water SourceSurface water
Last State InspectionJun 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 620 locations within half a mile, as of December 31, 2025

ProviderMax 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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