221 Chestnut St, Waverly, VA 23890 Property Records

Sussex County property record for 221 Chestnut St, Waverly, VA 23890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba
Owner	Individual Name on File
Last Sale	$185,000 (Jul 2021)
Tax Bill	$939 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28A8-13-3-15`

Property Details

APN / Parcel Number

Primary APN	`28A8-13-3-15`
Alternative APN	`2681`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2681
Street Address	221 CHESTNUT ST
City	WAVERLY
State	VA
Zip	23890-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S SIDE CHESTNUT ST BLK 3 LOTS 15 16 17 18 H#221
Legal Block	3
Legal Lot Number	15-18
Jurisdiction	SUSSEX VA
Township / Civil Division	WAVERLY
Census Block Group	2
Census Block	2020
Census Tract	870300

Owner

221 Chestnut St is owned and occupied by an individual who bought it in July 2021.

Source: Sussex County records, as of December 24, 2025

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	221 CHESTNUT ST, WAVERLY, VA 23890-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CU INC
Jul 19, 2021	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on File
Deed Sale	Jul 19, 2021 · Amount on File
Prior Sale	Oct 22, 2008 · Amount on File
Deed Document Number	210000788
Deed Book / Page	310 / 936
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX VA
Property Address	221 CHESTNUT ST, WAVERLY, VA 23890-5022
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000340/206
Date	Oct 9, 2025
Book Page	340/206

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 6, 2045

Interest

Rate Type	Adjustable Rate
Rate	14%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUSSEX VA
Recording Date	Jul 19, 2021
Property Address	221 CHESTNUT ST, WAVERLY, VA 23890-5022
Document Number	310/936
Book / Page	310 / 936
Instrument Date	Jul 1, 2021
Instrument	210000788
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	221 CHESTNUT ST, WAVERLY, VA 23890-5022

Mortgage

Document Number	210000789
Date	Jul 19, 2021
Instrument	210000789

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 221 Chestnut St was $939.

Source: Sussex County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Sussex County
Municipality	Waverly Town
Unified School District	Sussex County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$939.00	$177,200 Land $14,600 Building $162,600
2023		$177,200 Land $14,600 Building $162,600	$177,200 (-) Land $14,600 Building $162,600
2022			$177,200 Land $14,600 Building $162,600

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

Flood

FEMA maps place 221 Chestnut St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 7, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 221 Chestnut St is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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	TOWN OF WAVERLY serves 2,640 people · EPA ID VA3183950
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	1 ppb (2026–2028) 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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