Chesapeake City property record for 412 Waters Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft · built 1950 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (May 2026) |
| Tax Bill | $3,041 (2025) |
| Deeds & Mortgages | Dec 2009 Mortgage Aug 2024 Refinance + 3 more |
| APN | 0590000001510 |
| Primary APN | 0590000001510 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| 1st Floor Area | 1,636 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,738 sqft (1.05 acres) |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 412 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 | HENRY BELL EST 1.05 AC |
| Legal Subdivision | MISCELLANEOUS MAP 058, 059 |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 21016 |
412 Waters Rd is owned and occupied by an individual who bought it in May 2026.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 412 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 |
|---|---|
| Dec 9, 2009 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO |
| Aug 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| May 23, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| May 18, 2026 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A |
| May 18, 2026 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on File |
| Deed Sale | May 18, 2026 · Amount on File |
| Deed Document Number | 202612626 |
| Deed Book / Page | 10980 / 585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008003/134 |
|---|---|
| Date | Dec 9, 2009 |
| Book Page | 8003/134 |
| Name | BRANCH BANKING & TRUST CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010774/843 |
|---|---|
| Date | Aug 8, 2024 |
| Book Page | 10774/843 |
| Instrument | 240016148 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010856/779 |
|---|---|
| Date | May 23, 2025 |
| Book Page | 10856/779 |
| Instrument | 250011115 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 18, 2026 |
| Property Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Document Number | 0000012626 |
| Book / Page | 10980 / 585 |
| Instrument Date | May 13, 2026 |
| Instrument | 202612626 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35,350.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Document Number | 0000012627, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202612627 |
| Name | JPMORGAN CHASE BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 18, 2026 |
| Property Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Document Number | 010980/585 |
| Book / Page | 10980 / 585 |
| Instrument Date | May 13, 2026 |
| Instrument | 202612626 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35,350.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 WATERS RD, CHESAPEAKE, VA 23322-7340 |
| Document Number | 0000012627, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202612627 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 412 Waters Rd was $3,041.
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 | $328,500 (+9.1%) Land $186,600 Building $141,900 | $328,500 (+9.1%) Land $186,600 Building $141,900 | |
| 2025 | $3,041.00 | $301,100 Land $165,500 Building $135,600 | $301,100 Land $165,500 Building $135,600 |
| 2023 | $250,100 (+9.31%) Land $135,500 Building $114,600 | $250,100 (+9.31%) Land $135,500 Building $114,600 | |
| 2022 | $228,800 Land $125,500 Building $103,300 | $228,800 Land $125,500 Building $103,300 | |
| 2019 | $2,440.00 |
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 412 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 412 Waters Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 254 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 |
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