Chesapeake City property record for 400 Waters Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,484 sqft · built 2021 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Dec 2020) |
| Tax Bill | $6,779 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Aug 2021 Refinance + 2 more |
| APN | 0590000001531 |
| Primary APN | 0590000001531 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,484 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 255 ft deep x 93 ft wide |
| Garage Type | Detached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 75 sqft |
| Patio Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 400 WATERS RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | PAR A SUB A BRYANT & D WILKEY .500AC |
| Legal Subdivision | MISCELLANEOUS MAP 058, 059 |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 21016 |
400 Waters Rd is owned and occupied by an individual who bought it in December 2020.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 400 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| 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 |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION |
| Aug 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC |
| Mar 2, 2021 | Deed of Trust, Mortgage · Commercial Mortgage 400 WATERS ROAD SERIES |
| Dec 22, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage CREATIVE FINANCIAL SOLUTIONS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on File |
| Deed Sale | Dec 22, 2020 · Amount on File |
| Deed Document Number | 202048778 |
| Deed Book / Page | 10279 / 1743 |
| Prior Transfer Date | Sep 18, 2020 |
| Prior Transfer Doc | 0000048777 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 400 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10480/872 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 10480/872 |
| Instrument | 210051317 |
| Name | BAYPORT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 5, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 400 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 10430/1059 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 10430/1059 |
| Instrument | 210038267 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 400 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 10321/1982 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 10321/1982 |
| Instrument | 210009624 |
| Name | 400 WATERS ROAD SERIES |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Dec 22, 2020 |
| Property Address | 400 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Document Number | 10279/1743 |
| Book / Page | 10279 / 1743 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 200048778 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 400 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Investor | Possibly a Property Investor |
| Document Number | 200048779 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 200048779 |
| Name | CREATIVE FINANCIAL SOLUTIONS LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 400 Waters Rd was $6,779.
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 | $763,000 (+13.68%) Land $195,000 Building $568,000 | $763,000 (+13.68%) Land $195,000 Building $568,000 | |
| 2025 | $6,779.00 | $671,200 Land $175,000 Building $496,200 | $671,200 Land $175,000 Building $496,200 |
| 2023 | $581,800 (+11.22%) Land $155,000 Building $426,800 | $581,800 (+11.22%) Land $155,000 Building $426,800 | |
| 2022 | $523,100 Land $140,000 Building $383,100 | $523,100 Land $140,000 Building $383,100 | |
| 2019 | $1,671.00 |
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 400 Waters Rd; there have been 5 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 |
|---|---|
| Flood Insurance Cost | Premium on File median of 63 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 5 (2016–2020) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| 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.
Wildfire risk around 400 Waters Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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