Chesterfield County property record for 12323 Windsor Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,128 sqft · built 2008 |
| Lot Size | 0.396 acres (17,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $277,000 (Mar 2020) |
| Tax Bill | $3,520 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 787-65-22-73-800-000 |
| Primary APN | 787-65-22-73-800-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,128 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 17,250 sqft (0.396 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 88 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Balcony Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 412233001 |
|---|---|
| Street Address | 12323 WINDSOR RD |
| City | CHESTER |
| State | VA |
| Zip | 23831-4258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 - SINGL |
| Legal Description | BRUCE FARM L 5 SEC 2 |
| Legal Subdivision | BRUCE FARM |
| Legal Lot Number | 5 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 100505 |
12323 Windsor Rd is owned and occupied by an individual who bought it in March 2020.
Source: Chesterfield County records, as of June 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12323 WINDSOR RD, CHESTER, VA 23831-4258 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Mar 6, 2020 | Warranty Deed, Transfer · VA Mortgage FREEDOM MTG |
| Mar 15, 2019 | Quit Claim Deed, Mortgage · Conventional with PMI MASON MCDUFFIE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2020 · Amount on File |
| Deed Sale | Mar 6, 2020 · Amount on File |
| Prior Sale | Oct 21, 2015 · Amount on File |
| Deed Document Number | 202010419 |
| Deed Book / Page | 12655 / 605 |
| Prior Transfer Date | Mar 7, 2019 |
| Prior Transfer Doc | 12246-474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12323 WINDSOR RD, CHESTER, VA 23831-4258 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | FAITH TITLE AND ESCROW INC, FIRST TITLE & ESCROW INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 013275-943 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 13275/943 |
| Instrument | 2021013969 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Mar 6, 2020 |
| Property Address | 12323 WINDSOR RD, CHESTER, VA 23831-4258 |
| Document Number | 12655605 |
| Book / Page | 012655 / 000605 |
| Instrument Date | Feb 25, 2020 |
| Instrument | 10419 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12323 WINDSOR RD CHESTER VA 238314258, CHESTER, VA 23831-4258 |
| Document Number | 12655609 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 012655/000609 |
| Instrument | 10420 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Mar 15, 2019 |
| Property Address | 12323 WINDSOR RD, CHESTER, VA 23831-4258 |
| Document Number | 12246474 |
| Book / Page | 012246 / 000474 |
| Instrument Date | Mar 7, 2019 |
| Instrument | 8699 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12323 WINDSOR RD CHESTER VA 238314258, CHESTER, VA 23831-4258 |
| Document Number | 12246478 |
|---|---|
| Date | Mar 15, 2019 |
| Book Page | 012246/000478 |
| Instrument | 8700 |
| Name | MASON MCDUFFIE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 14, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.88% |
The 2026 property tax bill for 12323 Windsor Rd was $3,520, up 6% from the year before.
Source: Chesterfield County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Chesterfield County |
| Unified School District | Chesterfield County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,520.00 (+5.99%) | $392,800 (+6.05%) Land $61,000 Building $331,800 | $392,800 (+6.05%) Land $61,000 Building $331,800 |
| 2025 | $3,321.00 | $370,400 Land $58,000 Building $312,400 | $370,400 Land $58,000 Building $312,400 |
| 2023 | $3,151.00 | $343,600 Land $58,000 Building $285,600 | $343,600 Land $58,000 Building $285,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12323 Windsor Rd in Zone X, an area of minimal flood risk.
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 risk around 12323 Windsor Rd is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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