Chesapeake City property record for 429 Waters Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,405 sqft · built 1995 |
| Lot Size | 0.548 acres (23,871 sqft) |
| Owner | Individual Name on File |
| Last Sale | $394,000 (Aug 2023) |
| Tax Bill | $3,996 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jan 2021 Refinance + 5 more |
| APN | 0590000002730 |
| Primary APN | 0590000002730 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,405 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Attic | Attic |
| Attic Area | 242 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,871 sqft (0.548 acres) |
| Lot Dimensions | 383 ft deep x 118 ft wide |
| Garage Type | Mixed |
| Garage Area | 242 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 242 sqft |
| Patio Area | 496 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 429 WATERS RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | LT 1 SUB POR TR 2 WOODSTOCK FARM |
| Legal Subdivision | MISCELLANEOUS MAP 058, 059 |
| Legal Tract | 2 |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21010 |
429 Waters Rd is owned and occupied by an individual who bought it in August 2023.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| 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 |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Oct 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Feb 4, 2008 | Deed of Trust, Mortgage · Line of Credit CITIBANK N A |
| Aug 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
| Aug 3, 2017 | Warranty Deed, Transfer · VA Mortgage TOWNEBANK MORTGAGE |
| Nov 7, 2008 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2023 · Amount on File |
| Deed Sale | Aug 16, 2023 · Amount on File |
| Prior Sale | Aug 3, 2017 · Amount on File |
| Deed Document Number | 202317360 |
| Deed Book / Page | 10687 / 514 |
| Prior Transfer Date | Nov 6, 2008 |
| Prior Transfer Doc | 7641/292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 3, 2026 |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 0000019982 |
| Book / Page | 11008 / 148 |
| Instrument Date | Jul 25, 2026 |
| Instrument | 202619982 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 0000019982, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 11008/148 |
| Instrument | 202619982 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 10297/1479 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 10297/1479 |
| Instrument | 210003406 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 320 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010795/712 |
|---|---|
| Date | Oct 18, 2024 |
| Book Page | 10795/712 |
| Instrument | 240021658 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007364/459 |
|---|---|
| Date | Feb 4, 2008 |
| Book Page | 7364/459 |
| Name | CITIBANK N A |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 16, 2023 |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 010687/514 |
| Book / Page | 10687 / 514 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 230017360 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Title Company | FREEDOM TITLE AND ESCROW, FREEDOM TITLE & ESCROW INC |
| 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 | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 0230017361 |
|---|---|
| Date | Aug 16, 2023 |
| Instrument | 230017361 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 3, 2017 |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 9818/1115 |
| Book / Page | 9818 / 1115 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 170021261 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount 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 | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 170021262 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 170021262 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Nov 7, 2008 |
| Property Address | 429 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 007641/292 |
| Book / Page | 7641 / 292 |
| Instrument Date | Nov 6, 2008 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 429 Waters Rd was $3,996.
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 | $428,800 (+8.39%) Land $195,000 Building $233,800 | $428,800 (+8.39%) Land $195,000 Building $233,800 | |
| 2025 | $3,996.00 | $395,600 Land $175,000 Building $220,600 | $395,600 Land $175,000 Building $220,600 |
| 2023 | $351,100 (+10.62%) Land $155,000 Building $196,100 | $351,100 (+10.62%) Land $155,000 Building $196,100 | |
| 2022 | $317,400 Land $140,000 Building $177,400 | $317,400 Land $140,000 Building $177,400 | |
| 2019 | $2,786.00 |
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 429 Waters Rd; there have been 6 flood claims nearby since 1996.
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 30 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 48 units insured incl. 18 condo units |
| Nearby Flood Claims | 6 (1996–2017) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jul 2017 · other causes |
| 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 429 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures