106 Elm Tree Ct, Suffolk, VA 23435 Property Records

Suffolk City property record for 106 Elm Tree Ct, Suffolk, VA 23435

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,826 sqft · built 2001
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Jun 2025)
Tax Bill	$5,791 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Feb 2019 Refinance + 2 more
APN	`12I365`

Property Details

APN / Parcel Number

Primary APN	`12I365`
Alternative APN	`304812700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,826 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	304812700
Street Address	106 ELM TREE CT
City	SUFFOLK
State	VA
Zip	23435-2270
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL LOW DENSITY
Legal Description	L.65,BAYBERRY COVE, SEC.3
Legal Subdivision	BAYBERRY COVE
Legal Lot Number	65
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2007
Census Tract	75203

Owner

106 Elm Tree Ct is owned and occupied by an individual who bought it in June 2025.

Source: Suffolk City records, as of December 24, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2025	Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VIRGINIA EDUCATORS CREDIT UNION
Oct 17, 2019	Intrafamily Transfer, Transfer
Jun 29, 2017	Deed of Trust, Mortgage · Line of Credit VIRGINIA EDUCATORS CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2025 · Amount on File
Deed Sale	Jun 27, 2025 · Amount on File
Prior Sale	Oct 17, 2019
Deed Document Number	250007060
Record Updated	Jun 8, 2026

June 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jun 27, 2025
Property Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270
Document Number	0250007060
Map Reference	CAB 1 SL 186C
Instrument Date	Jun 26, 2025
Instrument	250007060
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	TITLEQUEST LANDMARK

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270

Mortgage

Document Number	0250007061
Date	Jun 27, 2025
Instrument	250007061

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001735
Date	Feb 22, 2019
Instrument	190001735

Lender

Name	VIRGINIA EDUCATORS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 15, 2034

Interest

Rate Type	Fixed Rate
Rate	5.5%

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUFFOLK CITY VA
Recording Date	Oct 17, 2019
Property Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270
Document Number	190011637
Instrument Date	Sep 30, 2019
Instrument	190011637
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	106 ELM TREE CT, SUFFOLK, VA 23435-2270
Transaction Type	Mortgage
Record Updated	Jul 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170007272
Date	Jun 29, 2017
Instrument	170007272

Lender

Name	VIRGINIA EDUCATORS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 106 Elm Tree Ct was $5,791, up 8.6% from the year before.

Source: Suffolk City assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Suffolk City
Unified School District	Suffolk City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$499,200 (+8.1%) Land $85,000 Building $414,200
2025	$5,791.00 (+8.57%)	$499,200 (+8.1%) Land $85,000 Building $414,200	$461,800 Land $85,000 Building $376,800
2024	$5,334.00 (+7.19%)	$461,800 (+1.14%) Land $85,000 Building $376,800
2023	$4,976.00	$456,600 Land $90,000 Building $366,600	$456,600 Land $90,000 Building $366,600

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 106 Elm Tree Ct; there have been 2 flood claims nearby since 2005.

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2005–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2013 · other causes

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 106 Elm Tree Ct is low, with a 0.02% 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	0.02% annual chance
Exposure	None beyond ember reach

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 SUFFOLK serves 69,822 people · EPA ID VA3800805
Water Source	Surface water
Last State Inspection	Jul 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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