581 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 581 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 627 sqft · built 2022
Lot Size	0.977 acres (42,558 sqft)
Owner	Individual Name on File
Last Sale	$429,900 (Mar 2021)
Tax Bill	$6,420 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Sale & Mortgage + 2 more
APN	`0590000001740`

Property Details

APN / Parcel Number

Primary APN	`0590000001740`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	627 sqft Living Area
1st Floor Area	1,041 sqft
Upper Floors Area	945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,558 sqft (0.977 acres)
Lot Dimensions	618 ft deep x 30 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Porch
Porch Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	581 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	PARCEL A RESUB PROPERTY C SATTERFIELD ET ALS .977A
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1007
Census Tract	21010

Owner

581 Waters Rd is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	581 WATERS RD, CHESAPEAKE, VA 23322-7300
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION
Mar 2, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jun 18, 2018	Special Warranty Deed, Transfer
Dec 12, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2021 · Amount on File
Deed Sale	Mar 2, 2021 · Amount on File
Prior Sale	Dec 12, 2017 · Amount on File
Deed Document Number	20219388
Deed Book / Page	10321 / 40
Prior Transfer Date	Dec 8, 2017
Prior Transfer Doc	09864/1061
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	581 WATERS RD, CHESAPEAKE, VA 23322-7300
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10576/1851
Date	Jul 1, 2022
Book Page	10576/1851
Instrument	220021704

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	143 Months
Due	Jun 21, 2034

Interest

Rate Type	Adjustable Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Mar 2, 2021
Property Address	581 WATERS RD, CHESAPEAKE, VA 23322-7300
Document Number	0010321/40
Book / Page	10321 / 40
Instrument Date	Feb 26, 2021
Instrument	210009388
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	581 WATERS RD, CHESAPEAKE, VA 23322-7300

Mortgage

Document Number	0210009389
Date	Mar 2, 2021
Instrument	210009389

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 18, 2018
Property Address	581 WATERS RD, CHESAPEAKE, VA 23322-7300
Document Number	009924/293
Book / Page	9924 / 293
Instrument Date	Jun 12, 2018
Instrument	180015792
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 BAYLOR CT, CHESAPEAKE, VA 23320-3680
Investor	Possibly a Property Investor

December 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 12, 2017
Property Address	581 WATERS RD, CHESAPEAKE, VA 23322-7300
Document Number	09864/1061
Book / Page	9864 / 1061
Instrument Date	Dec 8, 2017
Instrument	170034180
Transaction Type	Foreclosure
Record Updated	Sep 6, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 BAYLOR CT STE B, B, CHESAPEAKE, VA 23320-3680
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 581 Waters Rd was $6,420.

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		$680,500 (+7.06%) Land $195,000 Building $485,500	$680,500 (+7.06%) Land $195,000 Building $485,500
2025	$6,420.00	$635,600 Land $175,000 Building $460,600	$635,600 Land $175,000 Building $460,600
2023		$545,300 (+36.98%) Land $155,000 Building $390,300	$545,300 (+36.98%) Land $155,000 Building $390,300
2022		$398,100 Land $140,000 Building $258,100	$398,100 Land $140,000 Building $258,100
2019	$1,207.00

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

Flood

FEMA has no flood map on file for 581 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	Hurricane Matthew, Oct 2016 · 2 claims

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

Wildfire risk around 581 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.

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 323 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waters Rd

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