12307 Declaration Ave, Chester, VA 23836 Property Records

Chesterfield County property record for 12307 Declaration Ave, Chester, VA 23836

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,334 sqft · built 2012
Lot Size	0.421 acres (18,339 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Aug 2020)
Tax Bill	$25 (2026)
Deeds & Mortgages	Jun 2022 Refinance Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`827-65-80-86-000-000`

Property Details

APN / Parcel Number

Primary APN	`827-65-80-86-000-000`
Alternative APN	`416136001`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,334 sqft Finished Area
1st Floor Area	150 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,339 sqft (0.421 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	158 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	416136001
Street Address	12307 DECLARATION AVE
City	CHESTER
State	VA
Zip	23836-3032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15 - SING
Legal Description	MT BLANCO ON JAMES SEC 1 065
Legal Subdivision	MOUNT BLANCO ON THE JAMES
Legal Lot Number	65
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1006
Census Tract	100403

Owner

Source: Chesterfield County records, as of June 24, 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	12307 DECLARATION AVE, CHESTER, VA 23836-3032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ARMED FORCES BANK NA
Apr 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ARMED FORCES BANK NA
Aug 5, 2020	Warranty Deed, Transfer · VA Mortgage ARMED FORCES BK/CA NA
Jun 6, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Jun 6, 2019 · Amount on Record
Deed Document Number	202038592
Deed Book / Page	12884 / 925
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12307 DECLARATION AVE, CHESTER, VA 23836-3032
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013981-681
Date	Jun 2, 2022
Book Page	13981/681
Instrument	2022025428

Lender

Name	ARMED FORCES BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.13%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12307 DECLARATION AVE, CHESTER, VA 23836-3032
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13355-535
Date	Apr 13, 2021
Book Page	13355/535
Instrument	2021023851

Lender

Name	ARMED FORCES BANK NA

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.25%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Aug 5, 2020
Property Address	12307 DECLARATION AVE, CHESTER, VA 23836-3032
Document Number	12884925
Book / Page	012884 / 000925
Instrument Date	Jul 30, 2020
Instrument	38592
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12307 DECLARATION AVE CHESTER VA 238363032, CHESTER, VA 23836-3032

Mortgage

Document Number	12884929
Date	Aug 5, 2020
Book Page	012884/000929
Instrument	38593

Lender

Name	ARMED FORCES BK/CA NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2050

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Jun 6, 2019
Property Address	12307 DECLARATION AVE, CHESTER, VA 23836-3032
Document Number	12331888
Book / Page	012331 / 000888
Instrument Date	May 23, 2019
Instrument	20500
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12307 DECLARATION AVE CHESTER VA 238363032, CHESTER, VA 23836-3032

Mortgage

Document Number	12331892
Date	Jun 6, 2019
Book Page	012331/000892
Instrument	20501

Lender

Name	CITIBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 5, 2039

Interest

Rate Type	Fixed Rate

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	$25.00	$523,300 (+5.36%) Land $99,000 Building $424,300	$523,300 (+5.36%) Land $99,000 Building $424,300
2025		$496,700 (+9.41%) Land $94,000 Building $402,700	$496,700 (+9.41%) Land $94,000 Building $402,700
2023	$25.00	$454,000 Land $88,000 Building $366,000	$454,000 Land $88,000 Building $366,000

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 · 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	Direct burnable vegetation

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

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