12600 Mill Lock Ter, Midlothian, VA 23113 Property Records

Chesterfield County property record for 12600 Mill Lock Ter, Midlothian, VA 23113

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,596 sqft · built 1991
Lot Size	0.377 acres (16,422 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Jun 2019)
Tax Bill	$3,301 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01610050000A024`

Property Details

APN / Parcel Number

Primary APN	`01610050000A024`
Alternative APNs	`734-70-84-44-800-000` `405378001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,596 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	16,422 sqft (0.377 acres)
View / Lot	Cul-de-sac

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	356 sqft
Patio Area	356 sqft
Storage Building	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	405378001
Street Address	12600 MILL LOCK TER
City	MIDLOTHIAN
State	VA
Zip	23113-2862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	MILLSTONE CREEK L 24 BK A
Legal Subdivision	MILLSTONE CREEK
Legal Block	A
Legal Lot Number	24
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MIDLOTHIAN
Census Block Group	1
Census Block	1010
Census Tract	100915

Owner

12600 Mill Lock Ter is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	12600 MILL LOCK TER, MIDLOTHIAN, VA 23113-2862
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 19, 2020	Deed of Trust, Mortgage · Conventional with PMI CAPITAL CTRL LLC
Jun 6, 2019	Warranty Deed, Transfer · Conventional with PMI PRESIDENTIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2019 · Amount on File
Deed Sale	Jun 6, 2019 · Amount on File
Prior Sale	Dec 23, 2013 · Amount on File
Deed Document Number	201920444
Deed Book / Page	12331 / 476
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12600 MILL LOCK TER, MIDLOTHIAN, VA 23113-2862
Document Number	12921562
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12600 MILL LOCK TER MIDLOTHIAN VA 231132862, MIDLOTHIAN, VA 23113-2862

Mortgage

Document Number	12921562
Date	Aug 25, 2020
Book Page	012921/000562
Instrument	43418

Lender

Name	CAPITAL CTRL LLC

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 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	12600 MILL LOCK TER, MIDLOTHIAN, VA 23113-2862
Document Number	12331476
Book / Page	012331 / 000476
Instrument Date	May 31, 2019
Instrument	20444
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12600 MILL LOCK TER MIDLOTHIAN VA 231132862, MIDLOTHIAN, VA 23113-2862

Mortgage

Document Number	12331480
Date	Jun 6, 2019
Book Page	012331/000480
Instrument	20445

Lender

Name	PRESIDENTIAL BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12600 Mill Lock Ter was $3,301.

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	$3,301.00	$368,200 (+2.79%) Land $80,000 Building $288,200	$368,200 (+2.79%) Land $80,000 Building $288,200
2025		$358,200 Land $70,000 Building $288,200	$358,200 Land $70,000 Building $288,200
2023	$2,909.00	$317,000 Land $65,000 Building $252,000	$317,000 Land $65,000 Building $252,000

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

Flood

FEMA maps place 12600 Mill Lock Ter in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 12600 Mill Lock Ter 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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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