Chesterfield County property record for 12812 Mill Bluff Dr, Midlothian, VA 23112
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,249 sqft · built 2003 |
| Lot Size | 0.277 acres (12,066 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $213,800 (Feb 2003) |
| Tax Bill | $3,829 (2026) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 733-68-33-58-700-000 |
| Primary APN | 733-68-33-58-700-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,249 sqft Finished Area |
| 1st Floor Area | 30 sqft |
| Basement Area | 906 sqft |
| Unfinished Basement | 906 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 12,066 sqft (0.277 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Balcony Area | 28 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 287711001 |
|---|---|
| Street Address | 12812 MILL BLUFF DR |
| City | MIDLOTHIAN |
| State | VA |
| Zip | 23112-7007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 - SING |
| Legal Description | OLD HUNDRED MILL SEC D 042 |
| Legal Subdivision | OLD HUNDRED MILL |
| Legal Lot Number | 42 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | CLOVER HILL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 100912 |
Source: Chesterfield County records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12812 MILL BLUFF DR, MIDLOTHIAN, VA 23112-7007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CU INC |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU |
| Dec 4, 2018 | Deed of Trust, Mortgage · Line of Credit CHESTERFIELD FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2003 · Amount on Record |
| Deed Sale | Feb 12, 2003 · Amount on Record |
| Deed Book / Page | 4911 / 37 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12812 MILL BLUFF DR, MIDLOTHIAN, VA 23112-7007 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|
| Document Number | 015013-639 |
|---|---|
| Date | Sep 24, 2025 |
| Book Page | 15013/639 |
| Instrument | 250032690 |
| Name | VIRGINIA CU INC |
|---|---|
| Type | Credit Union |
| Address | RICHMOND, VA 23225 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 24, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12812 MILL BLUFF DR, MIDLOTHIAN, VA 23112-7007 |
| Document Number | 12997259 |
| Instrument Date | Sep 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12812 MILL BLUFF DR MIDLOTHIAN VA 231127007, MIDLOTHIAN, VA 23112-7007 |
| Document Number | 12997259 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 012997/000259 |
| Instrument | 52885 |
| Name | VIRGINIA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 4, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12812 MILL BLUFF DR, MIDLOTHIAN, VA 23112-7007 |
| Document Number | 12180322 |
| Instrument Date | Dec 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2019 |
| Name | Verified Name |
|---|
| Document Number | 12180322 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 012180/000322 |
| Instrument | 46649 |
| Name | CHESTERFIELD FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 17, 2038 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,829.00 (+18.43%) | $427,500 (+2.99%) Land $85,000 Building $342,500 | $427,500 (+2.99%) Land $85,000 Building $342,500 |
| 2025 | $415,100 (+17.73%) Land $80,000 Building $335,100 | $415,100 (+17.73%) Land $80,000 Building $335,100 | |
| 2023 | $3,233.00 | $352,600 Land $74,000 Building $278,600 | $352,600 Land $74,000 Building $278,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% 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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