1229 Spruce Ln, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 1229 Spruce Ln, Chesapeake, VA 23320

Property Summary

Property Type	Exempt (Full or Partial)
Details	6 bd · 3 ba · 3,446 sqft · built 2002
Lot Size	0.487 acres (21,214 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jan 2005)
Tax Bill	$6,174 (2024)
Deeds & Mortgages	Feb 2024 Line of Credit Jul 2018 Mortgage + 1 more
APN	`0352001001300`

Property Details

APN / Parcel Number

Primary APN	`0352001001300`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,446 sqft Total Area
1st Floor Area	827 sqft
Upper Floors Area	827 sqft
Attic	Attic
Attic Area	532 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,214 sqft (0.487 acres)
Lot Dimensions	41 ft deep x 37 ft wide
Garage Type	Attached
Garage Area	532 sqft

Exterior Amenities

Pool Area	741 sqft
Porch	Slab
Porch Area	50 sqft
Deck Area	Deck Area
Patio Area	570 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1229 SPRUCE LN
City	CHESAPEAKE
State	VA
Zip	23320-6965
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R15S: RESI
Legal Description	130 DOMINION LAKES PH 3
Legal Subdivision	DOMINION LAKES
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	2
Census Block	2006
Census Tract	20909

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1229 SPRUCE LN, CHESAPEAKE, VA 23320-6965
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jul 2, 2018	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2005 · Amount on File
Deed Sale	Jan 3, 2005 · Amount on File
Prior Sale	Sep 10, 2002 · Amount on File
Deed Book / Page	5782 / 366
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1229 SPRUCE LN, CHESAPEAKE, VA 23320-6965
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10723/1151
Date	Feb 2, 2024
Book Page	10723/1151
Instrument	240002031

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 1, 2064

Interest

Rate Type	Adjustable Rate
Rate	11.7%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1229 SPRUCE LN, CHESAPEAKE, VA 23320-6965
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09929/1093
Date	Jul 2, 2018
Book Page	9929/1093
Instrument	180017402

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.63%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1229 SPRUCE LN, CHESAPEAKE, VA 23320-6965
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10304/1051
Date	Feb 3, 2021
Book Page	10304/1051
Instrument	210005132

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	355 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

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		$644,100 (+11.15%) Land $170,000 Building $474,100	$644,100 (+11.15%) Land $170,000 Building $474,100
2024	$6,174.00 (+44.32%)
2023		$579,500 (+9.61%) Land $145,000 Building $434,500	$579,500 (+9.61%) Land $145,000 Building $434,500
2022		$528,700 Land $135,000 Building $393,700	$528,700 Land $135,000 Building $393,700
2019	$4,278.00

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 File median of 204 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	204 in force
Nearby Flood Claims	5 (2003–2014)
Most Recent Claim	May 2014 · 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	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.

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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