720 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 720 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Exempt (Full or Partial)
Details	4 bd · 2.5 ba · 3,119 sqft · built 2000
Lot Size	0.508 acres (22,128 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Aug 2015)
Tax Bill	$5,561 (2024)
Deeds & Mortgages	Nov 2021 Refinance Oct 2025 Mortgage + 3 more
APN	`0590000001070`

Property Details

APN / Parcel Number

Primary APN	`0590000001070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,119 sqft Total Area
1st Floor Area	1,163 sqft
Upper Floors Area	1,241 sqft
Attic	Attic
Attic Area	200 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,128 sqft (0.508 acres)
Lot Dimensions	220 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	612 sqft
Porch	Slab
Porch Area	500 sqft
Deck Area	Deck Area
Patio Area	1,348 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	720 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7346
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R15S: RESI
Legal Description	PAR B COR RESUB 5-8 & PAR 115 B L LANCASTER .5086A
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1006
Census Tract	21015

Owner

720 Waters Rd is owned by two individuals who bought it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346
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
Nov 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORPORATION
Oct 10, 2025	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Mar 25, 2013	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Oct 26, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Jun 7, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2015 · Amount on File
Deed Sale	Aug 24, 2015 · Amount on File
Prior Sale	Dec 17, 2003 · Amount on File
Deed Document Number	201522725
Deed Book / Page	9550 / 1659
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010478/359
Date	Nov 10, 2021
Book Page	10478/359
Instrument	210050707

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	179 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346

Mortgage

Document Number	010904/443
Date	Oct 10, 2025
Book Page	10904/443
Instrument	250023666

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate	5.75%

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009016/217
Date	Mar 25, 2013
Book Page	9016/217

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2043

Interest

Rate Type	Fixed Rate
Rate	3.38%

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007258/707
Date	Oct 26, 2007
Book Page	7258/707

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2027

Interest

Rate Type	Fixed Rate

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	720 WATERS RD, CHESAPEAKE, VA 23322-7346
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010756/996
Date	Jun 7, 2024
Book Page	10756/996
Instrument	240011286

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2054

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		$652,800 Land $195,000 Building $457,800	$652,800 Land $195,000 Building $457,800
2024	$5,561.00
2023		$528,200 (+11.48%) Land $155,000 Building $373,200	$528,200 (+11.48%) Land $155,000 Building $373,200
2022		$473,800 Land $140,000 Building $333,800	$473,800 Land $140,000 Building $333,800
2019	$4,274.00

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 720 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

Wildfire risk around 720 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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