Chesapeake City property record for 540 Waters Rd, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,413 sqft · built 1987 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Aug 2016) |
| Tax Bill | $3,576 (2025) |
| Deeds & Mortgages | Apr 2023 Refinance |
| APN | 0592001001940 |
| Primary APN | 0592001001940 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,413 sqft Living Area |
| 1st Floor Area | 1,193 sqft |
| Attic | Attic |
| Attic Area | 347 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| 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 | 347 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 347 sqft |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 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 | 3A-3B-3C 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 |
540 Waters Rd is owned and occupied by two individuals who bought it in August 2016.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 WATERS RD, CHESAPEAKE, VA 23322-7342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2016 · Amount on File |
| Deed Sale | Aug 25, 2016 · Amount on File |
| Prior Sale | Jan 4, 1999 · Amount on File |
| Deed Document Number | 201623546 |
| Deed Book / Page | 9688 / 495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 540 WATERS RD, CHESAPEAKE, VA 23322-7342 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 010654/576 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | 10654/576 |
| Instrument | 230007714 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 540 Waters Rd was $3,576.
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 | $368,000 (+3.93%) Land $185,000 Building $183,000 | $368,000 (+3.93%) Land $185,000 Building $183,000 | |
| 2025 | $3,576.00 | $354,100 Land $175,000 Building $179,100 | $354,100 Land $175,000 Building $179,100 |
| 2023 | $317,800 (+11.59%) Land $155,000 Building $162,800 | $317,800 (+11.59%) Land $155,000 Building $162,800 | |
| 2022 | $284,800 Land $125,000 Building $159,800 | $284,800 Land $125,000 Building $159,800 | |
| 2019 | $2,536.00 |
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 540 Waters Rd; there have been 1 flood claim nearby since 2016.
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 risk around 540 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 |
5G (outdoors only) and 4G LTE
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