1709 Prospect Dr, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 1709 Prospect Dr, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,211 sqft · built 1994
Lot Size	0.428 acres (18,644 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jul 2008)
Tax Bill	$4,650 (2025)
Deeds & Mortgages	Aug 2021 Refinance Jul 2021 Refinance + 8 more
APN	`0501001001410`

Property Details

APN / Parcel Number

Primary APN	`0501001001410`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,211 sqft Living Area
1st Floor Area	840 sqft
Upper Floors Area	840 sqft
Attic	Attic
Attic Area	180 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,644 sqft (0.428 acres)
Lot Dimensions	206 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	262 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1709 PROSPECT DR
City	CHESAPEAKE
State	VA
Zip	23322-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	141 SCHOOLHOUSE CROSSING SEC 2
Legal Subdivision	SCHOOLHOUSE CROSSING, SHOOLHOUSE ROAD
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1003
Census Tract	21103

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 Record	Individual Name on Record
Mailing Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
May 30, 2014	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORAT
Nov 9, 2012	Deed of Trust, Mortgage · VA Mortgage AMERIGROUP MORTGAGE CORPO
Aug 29, 2014	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORAT
Dec 4, 2014	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 29, 2009	Deed of Trust, Mortgage · Conventional Mortgage USAA FEDERAL SAVINGS BANK
Oct 19, 2007	Deed of Trust, Mortgage · Line of Credit CHARTWAY FEDERAL CREDIT U
Jun 15, 2009	Deed of Trust, Mortgage · VA Mortgage AMERIGROUP MORTGAGE CORPO
Feb 23, 2015	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2008 · Amount on Record
Deed Sale	Jul 28, 2008 · Amount on Record
Prior Sale	Jul 6, 2001 · Amount on Record
Deed Book / Page	7561 / 737
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10426/1211
Date	Aug 16, 2021
Book Page	10426/1211
Instrument	210037205

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10406/1925
Date	Jul 12, 2021
Book Page	10406/1925
Instrument	210031678

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	347 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00009388/1
Date	May 30, 2014
Book Page	9388/1

Lender

Name	FREEDOM MORTGAGE CORPORAT

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2044

Interest

Rate Type	Fixed Rate
Rate	4.25%

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008876/385
Date	Nov 9, 2012
Book Page	8876/385

Lender

Name	AMERIGROUP MORTGAGE CORPO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2016

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09425/1102
Date	Aug 29, 2014
Book Page	9425/1102

Lender

Name	FREEDOM MORTGAGE CORPORAT

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2044

Interest

Rate Type	Fixed Rate
Rate	3.99%

December 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09454/1966
Date	Dec 4, 2014
Book Page	9454/1966

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Sep 1, 2044

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007788/156
Date	Apr 29, 2009
Book Page	7788/156

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2039

Interest

Rate Type	Fixed Rate
Rate	4.63%

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007250/804
Date	Oct 19, 2007
Book Page	7250/804

Lender

Name	CHARTWAY FEDERAL CREDIT U

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Sep 21, 2022

Interest

Rate Type	Adjustable Rate

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007840/107
Date	Jun 15, 2009
Book Page	7840/107

Lender

Name	AMERIGROUP MORTGAGE CORPO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2039

Interest

Rate Type	Fixed Rate

February 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	1709 PROSPECT DR, CHESAPEAKE, VA 23322-1737
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09479/1065
Date	Feb 23, 2015
Book Page	9479/1065

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 1, 2044

Interest

Rate Type	Fixed Rate
Rate	3.5%

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		$489,100 (+6.23%) Land $210,000 Building $279,100	$489,100 (+6.23%) Land $210,000 Building $279,100
2025	$4,650.00 (+33.81%)	$460,400 (+8.2%) Land $185,000 Building $275,400	$460,400 (+8.2%) Land $185,000 Building $275,400
2023		$425,500 (+7.34%) Land $175,000 Building $250,500	$425,500 (+7.34%) Land $175,000 Building $250,500
2022		$396,400 Land $150,000 Building $246,400	$396,400 Land $150,000 Building $246,400
2019	$3,475.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (1994–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2016 · Hurricane Matthew

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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 141 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
T-Mobile Fixed Wireless	100 / 20