421 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 421 Waters Rd, Chesapeake, VA 23322 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,989 sqft · built 2018
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Aug 2024)
Tax Bill	$6,136 (2025)
Deeds & Mortgages	May 2024 Refinance Aug 2021 Refinance + 3 more
APN	`0590000001661`

Property Details

APN / Parcel Number

Primary APN	`0590000001661`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,989 sqft Living Area
1st Floor Area	1,296 sqft
Upper Floors Area	1,284 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Porch
Porch Area	275 sqft
Patio Area	1,296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NR BELLS MILL 2 OLD REPLAT 1.1 AC
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1000
Census Tract	21010

Owner

Source: Chesapeake City records · APN 0590000001661

Assessment roll updated August 25, 2025 · Last verified June 2026

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	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 08, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOUTHERN TRUST MORTGAGE LLC
Apr 29, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Apr 29, 2019	Warranty Deed, Subdivision Related Transfer ATTORNEY
Jun 20, 2018	Warranty Deed, Transfer TITLEQUEST SERVICES LLC, TITLEQUEST GREENBRIER LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 01, 2024 · Amount on Record
Deed Sale	Aug 01, 2024 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	010748/163
Date	May 08, 2024
Book Page	10748/163
Instrument	240008906

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2044

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Transaction Type	Mortgage
Record Updated	Sep 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010428/201
Date	Aug 17, 2021
Book Page	10428/201
Instrument	210037599

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 29, 2019
Property Address	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Document Number	010006/984
Book / Page	10006 / 984
Instrument Date	Apr 26, 2019
Instrument	190009736
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 06, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Investor	Possibly a Property Investor

Mortgage

Document Number	0190009737
Date	Apr 29, 2019
Instrument	190009737

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 29, 2019
Property Address	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Document Number	10006/984
Book / Page	10006 / 984
Instrument Date	Apr 26, 2019
Instrument	190009736
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 06, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Investor	Possibly a Property Investor

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 20, 2018
Property Address	421 WATERS RD, CHESAPEAKE, VA 23322-7339
Document Number	009925/849
Book / Page	9925 / 849
Instrument Date	Jun 18, 2018
Instrument	180016182
Transaction Type	Transfer
Record Updated	Sep 06, 2022
Title Company	TITLEQUEST SERVICES LLC, TITLEQUEST GREENBRIER LLC

Transaction

Amount	Amount Recorded
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	308 CEDAR LAKES DR, CHESAPEAKE, VA 23322-8342

Tax Assessment & Valuation

Source: Chesapeake City records · Assessment roll updated August 25, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,136.00 (+38.7%)	$607,500 (+20.13%) Land $166,000 Building $441,500	$607,500 (+20.13%) Land $166,000 Building $441,500
2023		$505,700 (+10.03%) Land $136,000 Building $369,700	$505,700 (+10.03%) Land $136,000 Building $369,700
2022		$459,600 Land $126,000 Building $333,600	$459,600 Land $126,000 Building $333,600
2019	$4,424.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 515500210101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 30 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	48 units insured 18 under condo master policies
Nearby Flood Claims	6 (1996–2017)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jul 2017, other causes
Claims By Storm	Hurricane Matthew, Oct 2016 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 254 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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