Chesapeake City property record for 1306 Commerce Ave, Chesapeake, VA 23324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,632 sqft · built 2011 |
| Lot Size | 0.068 acres (2,962 sqft) |
| Owner | Individual on Record |
| Last Sale | $185,000 (May 2017) |
| Tax Bill | $2,869 (2025) |
| Deeds & Mortgages | Feb 2024 Refinance Dec 2021 Mortgage + 2 more |
| APN | 1280000001890 |
| Primary APN | 1280000001890 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 688 sqft |
| Upper Floors Area | 704 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,962 sqft (0.068 acres) |
| Lot Dimensions | 120 ft deep x 25 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Patio Area | 240 sqft |
| Balcony Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1306 COMMERCE AVE |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23324-3309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSFA1: SIN |
| Legal Description | 61 HOYE |
| Legal Subdivision | HOYE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20200 |
Source: Chesapeake City assessment roll, as of August 25, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 1306 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Dec 2, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jan 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| May 3, 2017 | Warranty Deed, Transfer · VA Mortgage OVM FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2017 · Amount on Record |
| Deed Sale | May 3, 2017 · Amount on Record |
| Prior Sale | Apr 5, 2012 · Amount on Record |
| Deed Document Number | 201711933 |
| Deed Book / Page | 9783 / 949 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1306 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 10728/1702 |
|---|---|
| Date | Feb 26, 2024 |
| Book Page | 10728/1702 |
| Instrument | 240003555 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1306 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 010489/286 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | 10489/286 |
| Instrument | 210053669 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1306 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 10291/1426 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 10291/1426 |
| Instrument | 210001805 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 3, 2017 |
| Property Address | 1306 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Document Number | 009783/949 |
| Book / Page | 9783 / 949 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 170011933 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | TITLE ALLIANCE GREENBRIER LLC, TITLE ALLIANCE GREENBRIER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1306 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Document Number | 0170011934 |
|---|---|
| Date | May 3, 2017 |
| Instrument | 170011934 |
| Name | OVM FINANCIAL INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Chesapeake City assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,869.00 (+49.12%) | $284,100 (+15.53%) Land $75,000 Building $209,100 | $284,100 (+15.53%) Land $75,000 Building $209,100 |
| 2023 | $245,900 (+10.42%) Land $65,000 Building $180,900 | $245,900 (+10.42%) Land $65,000 Building $180,900 | |
| 2022 | $222,700 Land $50,000 Building $172,700 | $222,700 Land $50,000 Building $172,700 | |
| 2019 | $1,924.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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