Chesterfield County property record for 12718 Millstep Ter, Midlothian, VA 23112
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,722 sqft · built 2002 |
| Lot Size | 0.197 acres (8,581 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (May 2026) |
| Tax Bill | $3,986 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 733-68-43-84-300-000 |
| Primary APN | 733-68-43-84-300-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,722 sqft Finished Area |
| 1st Floor Area | 24 sqft |
| Basement Area | 906 sqft |
| Finished Basement | 453 sqft |
| Unfinished Basement | 453 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 8,581 sqft (0.197 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 403815001 |
|---|---|
| Street Address | 12718 MILLSTEP TER |
| City | MIDLOTHIAN |
| State | VA |
| Zip | 23112-7013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 - SING |
| Legal Description | OLD HUNDRED MILL SEC D 023 |
| Legal Subdivision | OLD HUNDRED MILL |
| Legal Lot Number | 23 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | CLOVER HILL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 100912 |
12718 Millstep Ter is owned and occupied by two individuals who bought it in May 2026.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12718 MILLSTEP TER, MIDLOTHIAN, VA 23112-7013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 1, 2026 | Bargain and Sale Deed, Transfer · FHA Mortgage C F MORTGAGE CORPORATION |
| Apr 20, 2020 | Deed of Trust, Mortgage · Conventional with PMI GENEVA FIN'L |
| Apr 5, 2019 | Warranty Deed, Transfer GENEVA FIN'L |
| Dec 13, 2018 | Foreclosure NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on File |
| Deed Sale | May 1, 2026 · Amount on File |
| Prior Sale | Apr 5, 2019 · Amount on File |
| Deed Document Number | 202615640 |
| Deed Book / Page | 15235 / 25 |
| Prior Transfer Date | Sep 16, 2016 |
| Prior Transfer Doc | 011377-306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | May 1, 2026 |
| Property Address | 12718 MILLSTEP TER, MIDLOTHIAN, VA 23112-7013 |
| Document Number | 0000015640 |
| Book / Page | 15235 / 25 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.15640 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53,025.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12718 MILLSTEP TER, MIDLOTHIAN, VA 23112-7013 |
| Document Number | 0000015641, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026..15641 |
| Name | C F MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12718 MILLSTEP TER, MIDLOTHIAN, VA 23112-7013 |
| Document Number | 12718446 |
| Instrument Date | Apr 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12718 MILLSTEP TER MIDLOTHIAN VA 231127013, MIDLOTHIAN, VA 23112-7013 |
| Document Number | 12718446 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 012718/000446 |
| Instrument | 18254 |
| Name | GENEVA FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 23, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Apr 5, 2019 |
| Property Address | 12718 MILLSTEP TER, MIDLOTHIAN, VA 23112-7013 |
| Document Number | 12267265 |
| Book / Page | 012267 / 000265 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 11556 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $276.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12716 MILLSTEP TER MIDLOTHIAN VA 23112, MIDLOTHIAN, VA 23112 |
| Document Number | 12267269 |
|---|---|
| Date | Apr 5, 2019 |
| Book Page | 012267/000269 |
| Instrument | 11557 |
| Name | GENEVA FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 4, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Dec 13, 2018 |
| Property Address | 12718 MILLSTEP TER, MIDLOTHIAN, VA 23112-7013 |
| Document Number | 12176316 |
| Book / Page | 012176 / 000316 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 46062 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 16, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 290 PETERSBURG RD POWHATAN VA 231398123, POWHATAN, VA 23139-8123 |
The 2026 property tax bill for 12718 Millstep Ter was $3,986, up 2.9% from the year before.
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 | $3,986.00 (+2.94%) | $445,100 (+2.96%) Land $85,000 Building $360,100 | $445,100 (+2.96%) Land $85,000 Building $360,100 |
| 2025 | $3,872.00 | $432,300 Land $80,000 Building $352,300 | $432,300 Land $80,000 Building $352,300 |
| 2023 | $3,293.00 | $359,200 Land $74,000 Building $285,200 | $359,200 Land $74,000 Building $285,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12718 Millstep Ter 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 12718 Millstep Ter 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 97% of the US · lower than 98.4% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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