2109 Sparrow Rd, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 2109 Sparrow Rd, Chesapeake, VA 23320

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,972 sqft · built 2008
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on File
Last Sale	$213,000 (Jul 2015)
Tax Bill	$3,634 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2012 Mortgage + 6 more
APN	`0207001001890`

Property Details

APN / Parcel Number

Primary APN	`0207001001890`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,972 sqft Living Area
1st Floor Area	998 sqft
Upper Floors Area	974 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	100 ft deep x 37 ft wide
Porch	Open Porch
Porch Area	52 sqft
Patio Area	1,774 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2109 SPARROW RD
City	CHESAPEAKE
State	VA
Zip	23320-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6: RESIDE
Legal Description	18-A RESUB OF LOTS 14 16 18 BLK 106 N HGLDS SUB D
Legal Subdivision	NORFOLK HIGHLANDS F, G & H
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1014
Census Tract	20809

Owner

2109 Sparrow Rd is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BEACH MUNICIPAL FEDERAL CREDIT UNION
Sep 13, 2012	Deed of Trust, Mortgage · VA Mortgage TIDEWATER HOME FUNDING LL
Jan 31, 2008	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Apr 27, 2010	Deed of Trust, Mortgage · VA Mortgage TIDEWATER HOME FUNDING LL
Jul 23, 2025	Deed of Trust, Mortgage · Line of Credit BEACH MUNICIPAL FCU
Jul 16, 2015	Warranty Deed, Transfer · FHA Mortgage BRANCH BANKING & TRUST COMPANY
May 20, 2008	Warranty Deed, Transfer · VA Mortgage ENTERPRISE MORT CORP
Nov 8, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2015 · Amount on File
Deed Sale	Jul 16, 2015 · Amount on File
Prior Sale	May 20, 2008 · Amount on File
Deed Book / Page	9536 / 313
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	010495/673
Date	Dec 15, 2021
Book Page	10495/673
Instrument	210055550

Lender

Name	BEACH MUNICIPAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 9, 2041

Interest

Rate Type	Adjustable Rate

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008816/22
Date	Sep 13, 2012
Book Page	8816/22

Lender

Name	TIDEWATER HOME FUNDING LL

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2042

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007358/358
Date	Jan 31, 2008
Book Page	7358/358

Lender

Name	TOWNEBANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008098/552
Date	Apr 27, 2010
Book Page	8098/552

Lender

Name	TIDEWATER HOME FUNDING LL

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate
Rate	5%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	010876/909
Date	Jul 23, 2025
Book Page	10876/909
Instrument	250016375

Lender

Name	BEACH MUNICIPAL FCU
Type	Credit Union
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 16, 2015
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Document Number	9536/0313
Book / Page	9536 / 0313
Instrument Date	Jun 23, 2015
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	95360317
Date	Jul 16, 2015
Instrument	9536/0317

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	009536/333
Date	Jul 16, 2015
Book Page	9536/333

Lender

Name	VIRGINIA HOUSING DEVELOPMENT AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2045

Interest

Rate Type	Fixed Rate

May 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 20, 2008
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Document Number	007491/701
Book / Page	7491 / 701
Instrument Date	Apr 18, 2008
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007491710
Date	May 20, 2008
Instrument	7491/710

Lender

Name	ENTERPRISE MORT CORP

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Nov 8, 2007
Property Address	2109 SPARROW RD, CHESAPEAKE, VA 23320-2326
Document Number	007270/542
Book / Page	7270 / 542
Instrument Date	Oct 23, 2007
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Sparrow Rd was $3,634.

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		$378,400 (+5.17%) Land $110,000 Building $268,400	$378,400 (+5.17%) Land $110,000 Building $268,400
2025	$3,634.00	$359,800 Land $100,000 Building $259,800	$359,800 Land $100,000 Building $259,800
2023		$315,100 (+7.32%) Land $85,000 Building $230,100	$315,100 (+7.32%) Land $85,000 Building $230,100
2022		$293,600 Land $80,000 Building $213,600	$293,600 Land $80,000 Building $213,600
2019	$2,384.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 2109 Sparrow Rd; 14 flood insurance policies are in force nearby.

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force

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

Wildfire risk around 2109 Sparrow Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% 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 594 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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