514 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 514 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Exempt (Full or Partial)
Details	5 bd · 3.5 ba · 2,378 sqft · built 2008
Lot Size	0.258 acres (11,238 sqft)
Owner	Company Name on File
Last Sale	$429,000 (Feb 2023)
Tax Bill	$4,542 (2024)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jan 2026 Mortgage + 1 more
APN	`0592001002000`

Property Details

APN / Parcel Number

Primary APN	`0592001002000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,378 sqft Total Area
1st Floor Area	1,044 sqft
Upper Floors Area	1,044 sqft
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	290 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	302 sqft
Patio Area	290 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7342
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R15S: RESI
Legal Description	9A 9B 9C HOMEMONT BLK 10
Legal Subdivision	SCENIC ACRES, HOMEMONT
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1000
Census Tract	21015

Owner

Source: Chesapeake City records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	514 WATERS RD, CHESAPEAKE, VA 23322-7342
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Bargain and Sale Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE
Jan 26, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 14, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2023 · Amount on File
Deed Sale	Feb 14, 2023 · Amount on File
Deed Document Number	20232999
Deed Book / Page	10638 / 918
Record Updated	Oct 29, 2026

October 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Oct 9, 2026
Property Address	514 WATERS RD, CHESAPEAKE, VA 23322-7342
Document Number	0000025935
Book / Page	11030 / 525
Instrument Date	Oct 6, 2026
Instrument	202625935
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,439.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 WATERS RD, CHESAPEAKE, VA 23322-7342

Mortgage

Document Number	0000025936,
Date	Oct 9, 2026
Instrument	202625936

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	514 WATERS RD, CHESAPEAKE, VA 23322-7342
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 WATERS RD, CHESAPEAKE, VA 23322-7342

Mortgage

Document Number	010938/396
Date	Jan 26, 2026
Book Page	10938/396
Instrument	260001926

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Feb 14, 2023
Property Address	514 WATERS RD, CHESAPEAKE, VA 23322-7342
Document Number	010638/918
Book / Page	10638 / 918
Instrument Date	Feb 8, 2023
Instrument	230002999
Transaction Type	Transfer
Record Updated	Mar 1, 2023
Title Company	TITLEQUEST AGENCY INC, TITLEQUEST

Transaction

Amount	Amount on Record
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	514 WATERS RD, CHESAPEAKE, VA 23322-7342

Mortgage

Document Number	0230003000
Date	Feb 14, 2023
Instrument	230003000

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$525,300 (+3.51%) Land $185,000 Building $340,300	$525,300 (+3.51%) Land $185,000 Building $340,300
2025		$507,500 (+10.4%) Land $175,000 Building $332,500	$507,500 (+10.4%) Land $175,000 Building $332,500
2024	$4,542.00 (+30.59%)
2023		$459,700 (+8.47%) Land $155,000 Building $304,700	$459,700 (+8.47%) Land $155,000 Building $304,700
2022		$423,800 Land $125,000 Building $298,800	$423,800 Land $125,000 Building $298,800
2019	$3,478.00

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

Flood

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 34 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · rainfall accumulation

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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