Chesapeake City property record for 228 Terwillinger Rd, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,424 sqft · built 1996 |
| Lot Size | 1.2 acres (52,533 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,100 (Jun 2024) |
| Tax Bill | $5,108 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2020 Refinance + 1 more |
| APN | 0450000003200 |
| Primary APN | 0450000003200 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,424 sqft Living Area |
| 1st Floor Area | 744 sqft |
| Upper Floors Area | 1,084 sqft |
| Attic | Attic |
| Attic Area | 72 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,533 sqft (1.2 acres) |
| Lot Dimensions | 397 ft deep x 131 ft wide |
| Garage Type | Attached |
| Garage Area | 60 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 52 sqft |
| Patio Area | 1,615 sqft |
| Balcony Area | 52 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 228 TERWILLINGER RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-3909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12AS: RES |
| Legal Description | LT 1 SUB PLAT OF L & M C WILLEY PROP 1.206 AC |
| Legal Subdivision | CREEKWOOD, CREEKWOOD S, CEDAR CRK, DEER |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21305 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 228 TERWILLINGER RD, CHESAPEAKE, VA 23323-3909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Oct 17, 2018 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 3, 2024 · Amount on Record |
| Deed Sale | Jun 3, 2024 · Amount on Record |
| Prior Sale | Oct 17, 2018 · Amount on Record |
| Deed Document Number | 202410858 |
| Deed Book / Page | 10754 / 1736 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 228 TERWILLINGER RD, CHESAPEAKE, VA 23323-3909 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 228 TERWILLINGER RD, CHESAPEAKE, VA 23323-3909 |
| Document Number | 10932/1047 |
|---|---|
| Date | Jan 6, 2026 |
| Book Page | 10932/1047 |
| Instrument | 260000305 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 228 TERWILLINGER RD, CHESAPEAKE, VA 23323-3909 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | THE CLOSERS OF VIRGINIA INC |
| Name | Verified Name |
|---|
| Document Number | 010217/525 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 10217/525 |
| Instrument | 200032474 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 17, 2018 |
| Property Address | 228 TERWILLINGER RD, CHESAPEAKE, VA 23323-3909 |
| Document Number | 9960/1408 |
| Book / Page | 9960 / 1408 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 180027569 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | LIBERTY TITLE |
| 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 | 228 TERWILLINGER RD, CHESAPEAKE, VA 23323-3909 |
| Investor | Possibly a Property Investor |
| Document Number | 180027570 |
|---|---|
| Date | Oct 17, 2018 |
| Instrument | 180027570 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $5,108.00 (+53.21%) | $505,700 (+17.63%) Land $185,000 Building $320,700 | $505,700 (+17.63%) Land $185,000 Building $320,700 |
| 2023 | $429,900 (+13.61%) Land $141,800 Building $288,100 | $429,900 (+13.61%) Land $141,800 Building $288,100 | |
| 2022 | $378,400 Land $126,000 Building $252,400 | $378,400 Land $126,000 Building $252,400 | |
| 2019 | $3,334.00 |
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 |
|---|---|
| Flood Insurance Cost | Premium on Record median of 108 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 108 in force |
| Nearby Flood Claims | 3 (2009–2016) |
| 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.
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 at the parcel |
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 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile USA Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
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