12109 Bundle Rd, Chesterfield, VA 23838 Property Records

Chesterfield County property record for 12109 Bundle Rd, Chesterfield, VA 23838

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,676 sqft · built 1989
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Sep 2020)
Tax Bill	$2,703 (2026)
Deeds & Mortgages	Feb 2022 Refinance Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`744-64-73-32-700-000`

Property Details

APN / Parcel Number

Primary APN	`744-64-73-32-700-000`
Alternative APNs	`128000100000058` `417419001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,676 sqft Finished Area
1st Floor Area	80 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)

Exterior Amenities

Porch	Slab
Porch Area	206 sqft
Deck Area	352 sqft
Patio Area	370 sqft
Balcony Area	18 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	417419001
Street Address	12109 BUNDLE RD
City	CHESTERFIELD
State	VA
Zip	23838-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A - AGRICU
Legal Description	E/L BUNDLE ROAD PARCEL K
Legal Subdivision	E/L BUNDLE ROAD PARCEL K
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MATOACA
Census Block Group	3
Census Block	3006
Census Tract	100821

Owner

Source: Chesterfield County records, as of June 22, 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 Record
Mailing Address	12109 BUNDLE RD, CHESTERFIELD, VA 23838-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Sep 22, 2020	Warranty Deed, Transfer · FHA Mortgage MORTGAGE ONE SOLUTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Jan 29, 2016 · Amount on Record
Deed Document Number	202049869
Deed Book / Page	12972 / 336
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12109 BUNDLE RD, CHESTERFIELD, VA 23838-3404
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013846-841
Date	Feb 10, 2022
Book Page	13846/841
Instrument	2022006687

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	345 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Sep 22, 2020
Property Address	12109 BUNDLE RD, CHESTERFIELD, VA 23838-3404
Document Number	12972336
Book / Page	012972 / 000336
Instrument Date	Jul 29, 2020
Instrument	49869
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12109 BUNDLE RD CHESTERFIELD VA 238383404, CHESTERFIELD, VA 23838-3404

Mortgage

Document Number	12972342
Date	Sep 22, 2020
Book Page	012972/000342
Instrument	49870

Lender

Name	MORTGAGE ONE SOLUTIONS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Chesterfield County
Unified School District	Chesterfield County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,703.00 (+16.96%)	$300,900 (+7.46%) Land $71,300 Building $229,600	$300,900 (+7.46%) Land $71,300 Building $229,600
2025		$280,000 (+11.42%) Land $68,300 Building $211,700	$280,000 (+11.42%) Land $68,300 Building $211,700
2023	$2,311.00	$251,300 Land $62,300 Building $189,000	$251,300 Land $62,300 Building $189,000

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, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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