12505 Crystal Downs Ln, Chester, VA 23836 Property Records

Chesterfield County property record for 12505 Crystal Downs Ln, Chester, VA 23836

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,592 sqft · built 1993
Lot Size	0.623 acres (27,138 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Nov 2004)
Tax Bill	$3,656 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`815-65-61-94-900-000`

Property Details

APN / Parcel Number

Primary APN	`815-65-61-94-900-000`
Alternative APNs	`117040600000019` `304680001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,592 sqft Finished Area
1st Floor Area	96 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	27,138 sqft (0.623 acres)
View / Lot	Cul-de-sac
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	396 sqft
Deck Area	334 sqft
Patio Area	334 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	304680001
Street Address	12505 CRYSTAL DOWNS LN
City	CHESTER
State	VA
Zip	23836-8601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15 - SING
Legal Description	RIVER'S BEND SEC 7 000-019
Legal Subdivision	RIVERS BEND
Legal Lot Number	19
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	5
Census Block	5008
Census Tract	100403

Owner

12505 Crystal Downs Ln is owned and occupied by an individual who bought it in November 2004.

Source: Chesterfield County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	12505 CRYSTAL DOWNS LN, CHESTER, VA 23836-8601
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CENTER CAPITAL LLC
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CENTER LLC
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CTRL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2004 · Amount on File
Deed Sale	Nov 17, 2004 · Amount on File
Deed Book / Page	6069 / 455
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Recording Date	Aug 25, 2026
Property Address	12505 CRYSTAL DOWNS LN, CHESTER, VA 23836-8601
Document Number	0000031291
Book / Page	15355 / 845
Instrument Date	Aug 21, 2026
Instrument	202631291
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	12505 CRYSTAL DOWNS LN, CHESTER, VA 23836-8601

Mortgage

Document Number	0000031291,
Date	Aug 25, 2026
Book Page	15355/845
Instrument	202631291

Lender

Name	CENTER CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	9.38%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12505 CRYSTAL DOWNS LN, CHESTER, VA 23836-8601
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013782-738
Date	Dec 20, 2021
Book Page	13782/738
Instrument	2021079595

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12505 CRYSTAL DOWNS LN, CHESTER, VA 23836-8601
Document Number	1299223
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12505 CRYSTAL DOWNS LN CHESTER VA 238368601, CHESTER, VA 23836-8601

Mortgage

Document Number	1299223
Date	Oct 1, 2020
Book Page	012992/000023
Instrument	52231

Lender

Name	CAPITAL CTRL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12505 Crystal Downs Ln was $3,656.

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	$3,656.00	$408,000 (+2.93%) Land $93,000 Building $315,000	$408,000 (+2.93%) Land $93,000 Building $315,000
2025		$396,400 Land $93,000 Building $303,400	$396,400 Land $93,000 Building $303,400
2023	$3,395.00	$370,400 Land $89,000 Building $281,400	$370,400 Land $89,000 Building $281,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12505 Crystal Downs Ln in Zone X, an area of minimal flood risk.

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	3 in force

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

Wildfire risk around 12505 Crystal Downs Ln 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	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 110 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 Crystal Downs Ln

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