Chesapeake City property record for 648 Luther St, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1950 |
| Lot Size | 0.136 acres (5,924 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (May 2026) |
| Tax Bill | $2,871 (2025) |
| Deeds & Mortgages | Nov 2020 Refinance May 2026 Sale & Mortgage + 4 more |
| APN | 0472002000570 |
| Primary APN | 0472002000570 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,924 sqft (0.136 acres) |
| Lot Width | 40 ft Width |
| Porch | Open Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | Deck Area |
| Patio Area | 129 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 648 LUTHER ST |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-7050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | LOT 57 GOODMAN VILLAGE NR RICHMOND CEDAR WORKS |
| Legal Subdivision | GOODMAN VILLAGE |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 21005 |
648 Luther St is owned and occupied by an individual who bought it in May 2026.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| 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.
| Date | Document |
|---|---|
| Nov 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK |
| May 11, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 11, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 27, 2022 | Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC |
| Oct 22, 2018 | Warranty Deed, Transfer · VA Mortgage OVM FINANCIAL INC |
| Jan 3, 2008 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on File |
| Deed Sale | May 11, 2026 · Amount on File |
| Prior Sale | May 27, 2022 · Amount on File |
| Deed Document Number | 202611851 |
| Deed Book / Page | 10977 / 293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10247/1258 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 10247/1258 |
| Instrument | 200040557 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 11, 2026 |
| Property Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 0000011851 |
| Book / Page | 10977 / 293 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.11851 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,815.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 0000011852, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026..11852 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 11, 2026 |
| Property Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 010977/293 |
| Book / Page | 10977 / 293 |
| Instrument Date | May 1, 2026 |
| Instrument | 202611851 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,815.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 0000011852, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 202611852 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 27, 2022 |
| Property Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 010564/748 |
| Book / Page | 10564 / 748 |
| Instrument Date | May 20, 2022 |
| Instrument | 220017940 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 0220017941 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 220017941 |
| Name | CALIBER HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 22, 2018 |
| Property Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 9961/1515 |
| Book / Page | 9961 / 1515 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 180027967 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 180027968 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 180027968 |
| Name | OVM FINANCIAL INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jan 3, 2008 |
| Property Address | 648 LUTHER ST, CHESAPEAKE, VA 23322-7050 |
| Document Number | 007322/404 |
| Book / Page | 7322 / 404 |
| Instrument Date | Nov 1, 2007 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 648 Luther St was $2,871, up 1.7% from the year before.
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 | $296,700 (+4.36%) Land $140,000 Building $156,700 | $296,700 (+4.36%) Land $140,000 Building $156,700 | |
| 2025 | $2,871.00 (+1.7%) | $284,300 Land $130,000 Building $154,300 | $284,300 Land $130,000 Building $154,300 |
| 2024 | $2,823.00 | ||
| 2023 | $255,300 (+12.22%) Land $110,000 Building $145,300 | $255,300 (+12.22%) Land $110,000 Building $145,300 | |
| 2022 | $227,500 Land $95,000 Building $132,500 | $227,500 Land $95,000 Building $132,500 | |
| 2019 | $1,663.00 |
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 648 Luther St; there have been 63 flood claims nearby since 1978.
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 253 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 253 in force |
| Nearby Flood Claims | 63 (1978–2016) |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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 648 Luther St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 59% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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