12703 Mill Lock Ter, Midlothian, VA 23113 Property Records

Chesterfield County property record for 12703 Mill Lock Ter, Midlothian, VA 23113

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,873 sqft · built 1986
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (Sep 2005)
Tax Bill	$3,225 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01610050000A017`

Property Details

APN / Parcel Number

Primary APN	`01610050000A017`
Alternative APNs	`733-70-89-43-300-000` `312932001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,873 sqft Finished Area
1st Floor Area	116 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
Garage Area	281 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	10 sqft
Deck Area	144 sqft
Patio Area	336 sqft
Balcony Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	312932001
Street Address	12703 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 17 BK A
Legal Subdivision	MILLSTONE CREEK
Legal Block	A
Legal Lot Number	17
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MIDLOTHIAN
Census Block Group	1
Census Block	1010
Census Tract	100915

Owner

12703 Mill Lock Ter is owned and occupied by an individual who bought it in September 2005.

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

Owner of Record	Individual Name on File
Mailing Address	12703 MILL LOCK TER, MIDLOTHIAN, VA 23113-2861
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
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit CALL FEDERAL CREDIT UNION
Dec 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2005 · Amount on File
Deed Sale	Sep 1, 2005 · Amount on File
Prior Sale	Jan 22, 2002
Deed Book / Page	6612 / 172
Transfer Doc	4160000083
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12703 MILL LOCK TER, MIDLOTHIAN, VA 23113-2861
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014037-839
Date	Jul 26, 2022
Book Page	14037/839
Instrument	2022033307

Lender

Name	CALL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 14, 2037

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12703 MILL LOCK TER, MIDLOTHIAN, VA 23113-2861
Document Number	12560502
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12703 MILL LOCK TER MIDLOTHIAN VA 231132861, MIDLOTHIAN, VA 23113-2861

Mortgage

Document Number	12560502
Date	Dec 16, 2019
Book Page	012560/000502
Instrument	51319

Lender

Name	CALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2034

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2026 property tax bill for 12703 Mill Lock Ter was $3,225.

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	$3,225.00	$359,600 (+2.86%) Land $80,000 Building $279,600	$359,600 (+2.86%) Land $80,000 Building $279,600
2025		$349,600 Land $70,000 Building $279,600	$349,600 Land $70,000 Building $279,600
2023	$2,759.00	$300,500 Land $65,000 Building $235,500	$300,500 Land $65,000 Building $235,500

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

Flood

FEMA maps place 12703 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 12703 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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