604 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 604 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1989
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$254,900 (Jul 2005)
Tax Bill	$3,866 (2025)
Deeds & Mortgages	Sep 2011 Mortgage Jul 2005 Sale & Mortgage
APN	`0592001000880`

Property Details

APN / Parcel Number

Primary APN	`0592001000880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,640 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
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	494 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Deck Area	Deck Area
Patio Area	356 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	10A-10B-10C HOMEMONT BK 5
Legal Subdivision	SCENIC ACRES, HOMEMONT
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1007
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	604 WATERS RD, CHESAPEAKE, VA 23322-7344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2011	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 22, 2005	Warranty Deed, Transfer · Conventional Mortgage TOWNE BANK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2005 · Amount on Record
Deed Sale	Jul 22, 2005 · Amount on Record
Prior Sale	Mar 26, 1999 · Amount on Record
Deed Book / Page	6104 / 519
Record Updated	Oct 29, 2026

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	604 WATERS RD, CHESAPEAKE, VA 23322-7344
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008478/631
Date	Sep 6, 2011
Book Page	8478/631

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2031

Interest

Rate Type	Fixed Rate
Rate	4.75%

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 22, 2005
Property Address	604 WATERS RD, CHESAPEAKE, VA 23322-7344
Document Number	006104/519
Book / Page	6104 / 519
Instrument Date	Jul 20, 2005
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0006104522
Date	Jul 22, 2005
Instrument	6104/522

Lender

Name	TOWNE BANK MTG

Agreement

Type	Conventional 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		$398,200 (+4.02%) Land $185,000 Building $213,200	$398,200 (+4.02%) Land $185,000 Building $213,200
2025	$3,866.00 (+11.38%)	$382,800 (+11.09%) Land $175,000 Building $207,800	$382,800 (+11.09%) Land $175,000 Building $207,800
2024	$3,471.00 (+29.61%)
2023		$344,600 (+10.98%) Land $155,000 Building $189,600	$344,600 (+10.98%) Land $155,000 Building $189,600
2022		$310,500 Land $125,000 Building $185,500	$310,500 Land $125,000 Building $185,500
2019	$2,678.00

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 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

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