645 Chalk Level Rd, Chatham, VA 24531 Property Records

Pittsylvania County property record for 645 Chalk Level Rd, Chatham, VA 24531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,552 sqft · built 1976
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,297 (2026)
Deeds & Mortgages	Mar 2024 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2426-45-3050`

Property Details

APN / Parcel Number

Primary APN	`2426-45-3050`
Alternative APNs	`235893` `130124`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
Basement Area	1,552 sqft
Finished Basement	1,552 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	130124
Street Address	645 CHALK LEVEL RD
City	CHATHAM
State	VA
Zip	24531-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	HWY 685 .99 AC
Jurisdiction	PITTSYLVANIA VA
Township / Civil Division	CHATHAM-BLAIRS
Census Block Group	2
Census Block	2001
Census Tract	10500

Owner

Source: Pittsylvania County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	645 CHALK LEVEL RD, CHATHAM, VA 24531-3019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Gift Deed, Transfer
Jul 8, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST COMPANY
Jul 12, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZENS BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 29, 2024
Transfer Doc	0000001234
Record Updated	Sep 20, 2026

March 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	PITTSYLVANIA VA
Recording Date	Mar 27, 2024
Property Address	645 CHALK LEVEL RD, CHATHAM, VA 24531-3019
Document Number	0240001234
Instrument Date	Feb 29, 2024
Instrument	240001234
Transaction Type	Transfer
Record Updated	Apr 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CHALK LEVEL RD, CHATHAM, VA 24531-3019

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PITTSYLVANIA VA
Property Address	645 CHALK LEVEL RD, CHATHAM, VA 24531-3019
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200003132
Date	Jul 8, 2020
Instrument	200003132

Lender

Name	FIRST CITIZENS BANK & TRUST COMPANY

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PITTSYLVANIA VA
Property Address	645 CHALK LEVEL RD, CHATHAM, VA 24531-3019
Transaction Type	Mortgage
Record Updated	Jul 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170003863
Date	Jul 12, 2017
Instrument	170003863

Lender

Name	FIRST CITIZENS BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pittsylvania County assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Pittsylvania County
Unified School District	Pittsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,297.00	$209,200 (+52.7%) Land $10,000 Building $199,200	$209,200 (+52.7%) Land $10,000 Building $199,200
2025	$1,297.00
2022		$137,000 Land $10,000 Building $127,000	$137,000 Land $10,000 Building $127,000

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, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF CHATHAM serves 2,500 people · EPA ID VA5143114
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: RiverStreet Networks.

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