Chesapeake City property record for 1324 Commerce Ave, Chesapeake, VA 23324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 758 sqft · built 2005 |
| Lot Size | 0.068 acres (2,962 sqft) |
| Owner | Individual Name on File |
| Last Sale | $68,000 (Feb 2019) |
| Tax Bill | $1,407 (2025) |
| Deeds & Mortgages | Feb 2019 Second Mortgage Feb 2019 Sale & Mortgage + 1 more |
| APN | 1340000003610 |
| Primary APN | 1340000003610 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 758 sqft Living Area |
| 1st Floor Area | 758 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2013 |
| 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 |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1324 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 | 70 HOYE |
| Legal Subdivision | HOYE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20200 |
1324 Commerce Ave is owned and occupied by an individual who bought it in February 2019.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1324 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| 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 |
|---|---|
| Feb 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MCLEAN MORTGAGE CORPORATION |
| Feb 26, 2019 | Warranty Deed, Transfer · FHA Mortgage MCLEAN MORTGAGE CORPORATION |
| Jul 18, 2013 | Warranty Deed, Transfer · FHA Mortgage PROSPECT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2019 · Amount on File |
| Deed Sale | Feb 26, 2019 · Amount on File |
| Prior Sale | Jul 18, 2013 · Amount on File |
| Deed Document Number | 20194363 |
| Deed Book / Page | 9990 / 258 |
| Prior Transfer Date | Jan 25, 2013 |
| Prior Transfer Doc | 8973/791 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1324 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9990/274 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 9990/274 |
| Instrument | 190004365 |
| Name | MCLEAN MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Feb 26, 2019 |
| Property Address | 1324 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Document Number | 9990/258 |
| Book / Page | 9990 / 258 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 190004363 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | LINEAR TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1324 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Document Number | 190004364 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 190004364 |
| Name | MCLEAN MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 009990/274 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 9990/274 |
| Instrument | 190004365 |
| Name | MCLEAN MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 18, 2013 |
| Property Address | 1324 COMMERCE AVE, CHESAPEAKE, VA 23324-3309 |
| Document Number | 9144/0609 |
| Book / Page | 9144 / 0609 |
| Instrument Date | May 16, 2013 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 91440612 |
|---|---|
| Date | Jul 18, 2013 |
| Instrument | 9144/0612 |
| Name | PROSPECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 009144/624 |
|---|---|
| Date | Jul 18, 2013 |
| Book Page | 9144/624 |
| Name | VIRGINIA HOUSING DEVELOPM |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2043 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1324 Commerce Ave was $1,407.
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 | $145,500 (+4.45%) Land $80,000 Building $65,500 | $145,500 (+4.45%) Land $80,000 Building $65,500 | |
| 2025 | $1,407.00 | $139,300 Land $75,000 Building $64,300 | $139,300 Land $75,000 Building $64,300 |
| 2023 | $119,000 (+17.24%) Land $65,000 Building $54,000 | $119,000 (+17.24%) Land $65,000 Building $54,000 | |
| 2022 | $101,500 Land $50,000 Building $51,500 | $101,500 Land $50,000 Building $51,500 | |
| 2019 | $919.00 |
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 1324 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 1324 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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