Chesapeake City property record for 433 Waters Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,102 sqft · built 1994 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Mar 2018) |
| Tax Bill | $4,575 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Oct 2022 Refinance + 1 more |
| APN | 0590000002740 |
| Primary APN | 0590000002740 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,102 sqft Living Area |
| 1st Floor Area | 810 sqft |
| Upper Floors Area | 810 sqft |
| Attic | Attic |
| Attic Area | 300 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 361 ft deep x 119 ft wide |
| Garage Type | Attached |
| Garage Area | 140 sqft |
| Porch | Slab |
| Porch Area | 112 sqft |
| Patio Area | 242 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 433 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 2 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 |
Source: Chesapeake City records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 433 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance LOWER LLC |
| Oct 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORPORATION |
| Mar 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage ACCESS NATIONAL MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on Record |
| Deed Sale | Mar 30, 2018 · Amount on Record |
| Deed Document Number | 20187981 |
| Deed Book / Page | 9897 / 719 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 433 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|
| Document Number | 010719/868 |
|---|---|
| Date | Jan 16, 2024 |
| Book Page | 10719/868 |
| Instrument | 240000805 |
| Name | LOWER LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 25, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 433 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010608/16 |
|---|---|
| Date | Oct 11, 2022 |
| Book Page | 10608/16 |
| Instrument | 220031020 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 30, 2018 |
| Property Address | 433 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 9897/719 |
| Book / Page | 9897 / 719 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 180007981 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | 360 SETTLEMENT AND TITLE SERVICES, 360 SETTLEMENT & TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| 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 | 433 WATERS RD, CHESAPEAKE, VA 23322-7339 |
| Document Number | 180007982 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 180007982 |
| Name | ACCESS NATIONAL MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $488,200 (+7.77%) Land $195,000 Building $293,200 | $488,200 (+7.77%) Land $195,000 Building $293,200 | |
| 2025 | $4,575.00 (+41.16%) | $453,000 (+15.5%) Land $175,000 Building $278,000 | $453,000 (+15.5%) Land $175,000 Building $278,000 |
| 2023 | $392,200 (+10.98%) Land $155,000 Building $237,200 | $392,200 (+10.98%) Land $155,000 Building $237,200 | |
| 2022 | $353,400 Land $140,000 Building $213,400 | $353,400 Land $140,000 Building $213,400 | |
| 2019 | $3,241.00 |
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 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.
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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