12903 Chipstead Rd, Chester, VA 23831 Property Records

Chesterfield County property record for 12903 Chipstead Rd, Chester, VA 23831

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,192 sqft · built 1994
Lot Size	0.408 acres (17,772 sqft)
Owner	Individual Name on File
Last Sale	$549,900 (Oct 2024)
Tax Bill	$25 (2026)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`792-64-97-48-000-000`

Property Details

APN / Parcel Number

Primary APN	`792-64-97-48-000-000`
Alternative APNs	`132040900000036` `281945001` `481626000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,192 sqft Finished Area
Basement Area	1,683 sqft
Finished Basement	954 sqft
Unfinished Basement	729 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	17,772 sqft (0.408 acres)
Deck Area	294 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	481626000
Street Address	12903 CHIPSTEAD RD
City	CHESTER
State	VA
Zip	23831-4665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	HIDDEN VALLEY EST SEC6 000-036
Legal Subdivision	HIDDEN VALLEY ESTATES
Legal Lot Number	36
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1000
Census Tract	100506

Owner

12903 Chipstead Rd is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	12903 CHIPSTEAD RD, CHESTER, VA 23831-4665
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2024 · Amount on File
Deed Sale	Oct 17, 2024 · Amount on File
Prior Sale	Jun 4, 2002 · Amount on File
Deed Document Number	202432546
Deed Book / Page	14696 / 302
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12903 CHIPSTEAD RD, CHESTER, VA 23831-4665
Document Number	12771583
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12903 CHIPSTEAD RD CHESTER VA 238314665, CHESTER, VA 23831-4665

Mortgage

Document Number	12771583
Date	Jun 1, 2020
Book Page	012771/000583
Instrument	24557

Lender

Name	VILLAGE BK MTG
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 31, 2045

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12903 Chipstead Rd was $25.

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	$25.00	$561,200 (+3.01%) Land $83,000 Building $478,200	$561,200 (+3.01%) Land $83,000 Building $478,200
2025		$544,800 Land $83,000 Building $461,800	$544,800 Land $83,000 Building $461,800
2023	$4,063.00	$443,800 Land $81,000 Building $362,800	$443,800 Land $81,000 Building $362,800

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

Flood

FEMA maps place 12903 Chipstead Rd in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 12903 Chipstead Rd is low, with a 0.02% 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	0.02% 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 204 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

Cell Coverage

5G (outdoors only) and 4G LTE

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