12701 Mill Lock Ter, Midlothian, VA 23113 Property Records

Chesterfield County property record for 12701 Mill Lock Ter, Midlothian, VA 23113

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,922 sqft · built 1988
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Feb 2018)
Tax Bill	$3,248 (2026)
Deeds & Mortgages	Feb 2021 Refinance Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01610050000A018`

Property Details

APN / Parcel Number

Primary APN	`01610050000A018`
Alternative APNs	`734-70-80-23-300-000` `394541001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,922 sqft Finished Area
1st Floor Area	252 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	128 sqft
Patio Area	128 sqft
Balcony Area	52 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	394541001
Street Address	12701 MILL LOCK TER
City	MIDLOTHIAN
State	VA
Zip	23113-2861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	MILLSTONE CREEK L 18 BK A
Legal Subdivision	MILLSTONE CREEK
Legal Block	A
Legal Lot Number	18
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MIDLOTHIAN
Census Block Group	1
Census Block	1010
Census Tract	100915

Owner

12701 Mill Lock Ter is owned and occupied by an individual who bought it in February 2018.

Source: Chesterfield County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	12701 MILL LOCK TER, MIDLOTHIAN, VA 23113-2861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Feb 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VIRGINIA CREDIT UNION INC
Feb 28, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2018 · Amount on File
Deed Sale	Feb 28, 2018 · Amount on File
Prior Sale	May 30, 2007 · Amount on File
Deed Document Number	20187129
Deed Book / Page	11908 / 135
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12701 MILL LOCK TER, MIDLOTHIAN, VA 23113-2861
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013248-726
Date	Feb 19, 2021
Book Page	13248/726
Instrument	2021010644

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.88%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Feb 28, 2018
Property Address	12701 MILL LOCK TER, MIDLOTHIAN, VA 23113-2861
Document Number	11908135
Book / Page	011908 / 000135
Instrument Date	Feb 22, 2018
Instrument	7129
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12701 MILL LOCK TER MIDLOTHIAN VA 231132861, MIDLOTHIAN, VA 23113-2861

Mortgage

Document Number	11908140
Date	Feb 28, 2018
Book Page	011908/000140
Instrument	7130

Lender

Name	MOVEMENT MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12701 Mill Lock Ter was $3,248.

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	$3,248.00	$362,200 (+2.84%) Land $80,000 Building $282,200	$362,200 (+2.84%) Land $80,000 Building $282,200
2025		$352,200 Land $70,000 Building $282,200	$352,200 Land $70,000 Building $282,200
2023	$2,774.00	$302,100 Land $65,000 Building $237,100	$302,100 Land $65,000 Building $237,100

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

Flood

FEMA maps place 12701 Mill Lock Ter in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 12701 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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