Chesterfield County property record for 11754 Explorer Ter, Midlothian, VA 23114
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,336 sqft · built 2002 |
| Lot Size | 0.341 acres (14,854 sqft) |
| Owner | Individual Name on File |
| Last Sale | $268,500 (Feb 2017) |
| Tax Bill | $4,051 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 740-69-71-12-500-000 |
| Primary APN | 740-69-71-12-500-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,336 sqft Finished Area |
| 1st Floor Area | 312 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 14,854 sqft (0.341 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Balcony Area | 30 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 386334001 |
|---|---|
| Street Address | 11754 EXPLORER TER |
| City | MIDLOTHIAN |
| State | VA |
| Zip | 23114-5306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 - SING |
| Legal Description | ST JAMES WOODS SEC G AMD 015 |
| Legal Subdivision | ST JAMES WOODS |
| Legal Lot Number | 15 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | CLOVER HILL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 100932 |
Source: Chesterfield County records · APN 740-69-71-12-500-000
Assessment roll updated June 22, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11754 EXPLORER TER, MIDLOTHIAN, VA 23114-5306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Feb 08, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL CENTER LLC |
| Feb 28, 2017 | Grant Deed, Transfer · FHA Mortgage OVM FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 28, 2017 · Amount on Record |
| Deed Sale | Feb 28, 2017 · Amount on Record |
| Prior Sale | Aug 01, 2002 · Amount on Record |
| Deed Document Number | 20178107 |
| Deed Book / Page | 11544 / 737 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Aug 03, 2026 |
| Property Address | 11754 EXPLORER TER, MIDLOTHIAN, VA 23114-5306 |
| Document Number | 0000028429 |
| Book / Page | 15334 / 250 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202628429 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 11754 EXPLORER TER, MIDLOTHIAN, VA 23114-5306 |
| Document Number | 0000028429, |
|---|---|
| Date | Aug 03, 2026 |
| Book Page | 15334/250 |
| Instrument | 202628429 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 02, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.25% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 11754 EXPLORER TER, MIDLOTHIAN, VA 23114-5306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0013844-84 |
|---|---|
| Date | Feb 08, 2022 |
| Book Page | 13844/84 |
| Instrument | 2022006326 |
| Name | CAPITAL CENTER LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Feb 28, 2017 |
| Property Address | 11754 EXPLORER TER, MIDLOTHIAN, VA 23114-5306 |
| Document Number | 11544738 |
| Book / Page | 011544 / 000738 |
| Instrument Date | Feb 13, 2017 |
| Instrument | 8107 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11754 EXPLORER TER MIDLOTHIAN VA 231145306, MIDLOTHIAN, VA 23114-5306 |
| Document Number | 11544742 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 011544/000742 |
| Instrument | 8108 |
| Name | OVM FIN'L |
|---|---|
| Address | CHESAPEAKE, VA 23320 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2047 |
Source: Chesterfield County records · Assessment roll updated June 22, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Chesterfield County |
| Unified School District | Chesterfield County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,051.00 (+15.51%) | $452,400 (+5.85%) Land $71,100 Building $381,300 | $452,400 (+5.85%) Land $71,100 Building $381,300 |
| 2025 | $427,400 (+11.68%) Land $64,800 Building $362,600 | $427,400 (+11.68%) Land $64,800 Building $362,600 | |
| 2023 | $3,507.00 | $382,700 Land $58,500 Building $324,200 | $382,700 Land $58,500 Building $324,200 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 164 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHESTERFIELD CO CENTRAL WATER SYSTEM serves 389,897 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | Under 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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