Chesterfield County property record for 12502 Whispering Way, Midlothian, VA 23113
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,545 sqft · built 1979 |
| Lot Size | 0.276 acres (12,023 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Oct 2025) |
| Tax Bill | $3,263 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01606040200C011 |
| Primary APN | 01606040200C011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,545 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 12,023 sqft (0.276 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 132 sqft |
| Patio Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 495611000 |
|---|---|
| Street Address | 12502 WHISPERING WAY |
| City | MIDLOTHIAN |
| State | VA |
| Zip | 23113-2836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R9 - SINGL |
| Legal Description | OLD BUCKINGHM FOR L11BK C SE 2 |
| Legal Subdivision | OLD BUCKINGHAM FOREST |
| Legal Block | C |
| Legal Lot Number | 11 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | MIDLOTHIAN |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 100915 |
Source: Chesterfield County records, as of June 26, 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 | 12502 WHISPERING WAY, MIDLOTHIAN, VA 23113-2836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC |
| Oct 9, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage CAPTIAL CENTER LLC |
| May 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2025 · Amount on Record |
| Deed Sale | Oct 9, 2025 · Amount on Record |
| Prior Sale | May 22, 2019 · Amount on Record |
| Deed Document Number | 202534783 |
| Deed Book / Page | 15031 / 385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12502 WHISPERING WAY, MIDLOTHIAN, VA 23113-2836 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 013606-330 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 13606/330 |
| Instrument | 2021056668 |
| Name | ALCOVA MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Oct 9, 2025 |
| Property Address | 12502 WHISPERING WAY, MIDLOTHIAN, VA 23113-2836 |
| Document Number | 015031-385 |
| Book / Page | 15031 / 385 |
| Map Reference | MB 30 PG 93 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 250034783 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12502 WHISPERING WAY, MIDLOTHIAN, VA 23113-2836 |
| Document Number | 0250034784 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 250034784 |
| Name | CAPTIAL CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | May 22, 2019 |
| Property Address | 12502 WHISPERING WAY, MIDLOTHIAN, VA 23113-2836 |
| Document Number | 12314126 |
| Book / Page | 012314 / 000126 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 18104 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12502 WHISPERING WAY MIDLOTHIAN VA 231132836, MIDLOTHIAN, VA 23113-2836 |
| Document Number | 12314130 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 012314/000130 |
| Instrument | 18105 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $3,263.00 (+7.3%) | $363,900 (+7.38%) Land $94,000 Building $269,900 | $363,900 (+7.38%) Land $94,000 Building $269,900 |
| 2025 | $3,041.00 (+11.43%) | $338,900 (+14.03%) Land $69,000 Building $269,900 | $338,900 (+14.03%) Land $69,000 Building $269,900 |
| 2023 | $2,729.00 | $297,200 Land $64,000 Building $233,200 | $297,200 Land $64,000 Building $233,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 35 units insured incl. 30 condo units |
| Nearby Flood Claims | 2 (2016–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
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: 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.
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 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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