520 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 520 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 1989
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Nov 2020)
Tax Bill	$3,620 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Nov 2020 Sale & Mortgage
APN	`0592001001990`

Property Details

APN / Parcel Number

Primary APN	`0592001001990`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Hip
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	8A-8B-8C 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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	520 WATERS RD, CHESAPEAKE, VA 23322-7342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Nov 12, 2020	Warranty Deed, Transfer · VA Mortgage NEWTOWNE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Prior Sale	Mar 8, 2010 · Amount on Record
Deed Document Number	202042235
Deed Book / Page	10254 / 723
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	520 WATERS RD, CHESAPEAKE, VA 23322-7342
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010721/956
Date	Jan 24, 2024
Book Page	10721/956
Instrument	240001407

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2064

Interest

Rate Type	Adjustable Rate
Rate	9.75%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Nov 12, 2020
Property Address	520 WATERS RD, CHESAPEAKE, VA 23322-7342
Document Number	10254/723
Book / Page	10254 / 723
Instrument Date	Nov 5, 2020
Instrument	200042235
Transaction Type	Transfer
Record Updated	Sep 20, 2021
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	520 WATERS RD, CHESAPEAKE, VA 23322-7342

Mortgage

Document Number	200042236
Date	Nov 12, 2020
Instrument	200042236

Lender

Name	NEWTOWNE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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		$375,100 (+4.66%) Land $185,000 Building $190,100	$375,100 (+4.66%) Land $185,000 Building $190,100
2025	$3,620.00 (+49.77%)	$358,400 (+12.88%) Land $175,000 Building $183,400	$358,400 (+12.88%) Land $175,000 Building $183,400
2023		$317,500 (+11.87%) Land $155,000 Building $162,500	$317,500 (+11.87%) Land $155,000 Building $162,500
2022		$283,800 Land $125,000 Building $158,800	$283,800 Land $125,000 Building $158,800
2019	$2,417.00

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 Record 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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