Chesterfield County property record for 12703 Mirror Pond Way, Midlothian, VA 23114
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,326 sqft · built 1997 |
| Lot Size | 0.391 acres (17,032 sqft) |
| Owner | Individual Name on File |
| Last Sale | $371,000 (Oct 2020) |
| Tax Bill | $4,742 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 735-69-81-08-900-000 |
| Primary APN | 735-69-81-08-900-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,326 sqft Finished Area |
| 1st Floor Area | 104 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 17,032 sqft (0.391 acres) |
| Garage Area | 459 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 359 sqft |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 418748001 |
|---|---|
| Street Address | 12703 MIRROR POND WAY |
| City | MIDLOTHIAN |
| State | VA |
| Zip | 23114-7149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 - SING |
| Legal Description | WALTON LAKE SEC C 000-015 |
| Legal Subdivision | WALTON LAKE |
| Legal Lot Number | 15 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | MIDLOTHIAN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 100930 |
12703 Mirror Pond Way is owned and occupied by an individual who bought it in October 2020.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12703 MIRROR POND WAY, MIDLOTHIAN, VA 23114-7149 |
| 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.
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 30, 2020 | Warranty Deed, Transfer · FHA Mortgage PRESIDENTIAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on File |
| Deed Sale | Oct 30, 2020 · Amount on File |
| Prior Sale | Dec 12, 1997 · Amount on File |
| Deed Document Number | 202059103 |
| Deed Book / Page | 13046 / 147 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | May 5, 2026 |
| Property Address | 12703 MIRROR POND WAY, MIDLOTHIAN, VA 23114-7149 |
| Document Number | 0000016049 |
| Book / Page | 15237 / 943 |
| Instrument Date | Apr 25, 2026 |
| Instrument | 202616049 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 12703 MIRROR POND WAY, MIDLOTHIAN, VA 23114-7149 |
| Investor | Possibly a Property Investor |
| Document Number | 0000016049, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 15237/943 |
| Instrument | 202616049 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Oct 30, 2020 |
| Property Address | 12703 MIRROR POND WAY, MIDLOTHIAN, VA 23114-7149 |
| Document Number | 13046147 |
| Book / Page | 013046 / 000147 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 59103 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $371.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12703 MIRROR POND WAY MIDLOTHIAN VA 231147149, MIDLOTHIAN, VA 23114-7149 |
| Document Number | 13046151 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 013046/000151 |
| Instrument | 59104 |
| Name | PRESIDENTIAL BK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
The 2026 property tax bill for 12703 Mirror Pond Way was $4,742.
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 | $4,742.00 | $530,000 (+1.92%) Land $93,000 Building $437,000 | $530,000 (+1.92%) Land $93,000 Building $437,000 |
| 2025 | $520,000 Land $83,000 Building $437,000 | $520,000 Land $83,000 Building $437,000 | |
| 2023 | $4,083.00 | $446,000 Land $76,000 Building $370,000 | $446,000 Land $76,000 Building $370,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12703 Mirror Pond Way 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 A, 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 risk around 12703 Mirror Pond Way is low, with less than 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 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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