820 Waters Rd, Chesapeake, VA 23322 Property Records

Chesapeake City property record for 820 Waters Rd, Chesapeake, VA 23322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,145 sqft · built 1997
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,000 (Apr 2010)
Tax Bill	$4,357 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Refinance + 1 more
APN	`0590000000581`

Property Details

APN / Parcel Number

Primary APN	`0590000000581`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,145 sqft Living Area
1st Floor Area	784 sqft
Upper Floors Area	784 sqft
Attic	Attic
Attic Area	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	200 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	254 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	820 WATERS RD
City	CHESAPEAKE
State	VA
Zip	23322-7538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	PC WOODSTOCK FM .5 AC
Legal Subdivision	MISCELLANEOUS MAP 058, 059
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1005
Census Tract	21015

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Sep 2, 2021	Gift Deed, Transfer · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Sep 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2010 · Amount on Record
Deed Sale	Apr 7, 2010 · Amount on Record
Deed Book / Page	8085 / 719
Last Transfer Date	Jul 19, 2021
Transfer Doc	10438/749
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 30, 2026
Property Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538
Document Number	0000010866
Book / Page	10973 / 266
Instrument Date	Apr 7, 2026
Instrument	202610866
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538

Mortgage

Document Number	0000010866,
Date	Apr 30, 2026
Book Page	10973/266
Instrument	202610866

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

September 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Sep 2, 2021
Property Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538
Document Number	10438/749
Book / Page	10438 / 749
Instrument Date	Jul 19, 2021
Instrument	210040226
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538

Mortgage

Document Number	010438/753
Date	Sep 2, 2021
Book Page	10438/753
Instrument	210040227

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Sep 2, 2021
Property Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538
Document Number	10438/744
Book / Page	10438 / 744
Instrument Date	Mar 12, 2021
Instrument	210040225
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 WATERS RD, CHESAPEAKE, VA 23322-7538

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		$465,300 (+7.86%) Land $195,000 Building $270,300	$465,300 (+7.86%) Land $195,000 Building $270,300
2025	$4,357.00 (+9.55%)	$431,400 (+15.13%) Land $175,000 Building $256,400	$431,400 (+15.13%) Land $175,000 Building $256,400
2024	$3,977.00 (+37.95%)
2023		$374,700 (+10.83%) Land $155,000 Building $219,700	$374,700 (+10.83%) Land $155,000 Building $219,700
2022		$338,100 Land $140,000 Building $198,100	$338,100 Land $140,000 Building $198,100
2019	$2,883.00

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	0.02% 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 252 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.

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