12278 Declaration Ave, Chester, VA 23836 Property Records

Chesterfield County property record for 12278 Declaration Ave, Chester, VA 23836

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,027 sqft · built 2013
Lot Size	0.467 acres (20,343 sqft)
Owner	2 Individual Names on Record
Last Sale	$433,600 (Dec 2013)
Tax Bill	$5,497 (2026)
Deeds & Mortgages	Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`827-65-91-01-400-000`

Property Details

APN / Parcel Number

Primary APN	`827-65-91-01-400-000`
Alternative APN	`364904001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,027 sqft Finished Area
1st Floor Area	210 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,343 sqft (0.467 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	364904001
Street Address	12278 DECLARATION AVE
City	CHESTER
State	VA
Zip	23836-3057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15 - SING
Legal Description	MT BLANCO ON JAMES SEC 2 023
Legal Subdivision	MOUNT BLANCO ON THE JAMES
Legal Lot Number	23
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1004
Census Tract	100403

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	2 Individual Names on Record
Mailing Address	12278 DECLARATION AVE, CHESTER, VA 23836-3057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2013 · Amount on Record
Deed Sale	Dec 23, 2013 · Amount on Record
Deed Book / Page	1043 / 125
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12278 DECLARATION AVE, CHESTER, VA 23836-3057
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013457-508
Date	Jun 8, 2021
Book Page	13457/508
Instrument	2021037040

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$5,497.00 (+12.9%)	$614,900 (+5.35%) Land $99,000 Building $515,900	$614,900 (+5.35%) Land $99,000 Building $515,900
2025		$583,700 (+9.64%) Land $94,000 Building $489,700	$583,700 (+9.64%) Land $94,000 Building $489,700
2023	$4,869.00	$532,400 Land $88,000 Building $444,400	$532,400 Land $88,000 Building $444,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1982–2020)
Most Recent Claim	Aug 2020

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	0.01% 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	CHESTERFIELD CO CENTRAL WATER SYSTEM serves 389,897 people · EPA ID VA4041845
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Declaration Ave

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