12903 Watch Pt E, Midlothian, VA 23114 Property Records

Chesterfield County property record for 12903 Watch Pt E, Midlothian, VA 23114

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,098 sqft · built 1984
Lot Size	1.83 acres (79,758 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Dec 2013)
Tax Bill	$3,764 (2026)
Deeds & Mortgages	Apr 2024 Refinance Jun 2026 Mortgage
Flood Zone	Zone A (high risk)
APN	`0260911J300V23R`

Property Details

APN / Parcel Number

Primary APN	`0260911J300V23R`
Alternative APNs	`733-70-03-73-600-000` `364713001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,098 sqft Finished Area
1st Floor Area	192 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	79,758 sqft (1.83 acres)
Lot Dimensions	82 ft deep x 1,831 ft wide
View / Lot	Cul-de-sac
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	235 sqft
Patio Area	235 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	364713001
Street Address	12903 WATCH PT E
City	MIDLOTHIAN
State	VA
Zip	23114-3061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9 - SINGL
Legal Description	WALTON PK RSB L23R BK V SE J-3
Legal Subdivision	WALTON PARK
Legal Block	V
Legal Lot Number	23R
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MIDLOTHIAN
Census Block Group	2
Census Block	2010
Census Tract	100930

Owner

Source: Chesterfield County records, as of July 8, 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	12903 WATCH PT E, MIDLOTHIAN, VA 23114-3061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jun 25, 2026	Deed of Trust, Mortgage · FHA Mortgage WESTERN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2013 · Amount on Record
Deed Sale	Dec 13, 2013 · Amount on Record
Prior Sale	Aug 12, 2008 · Amount on Record
Deed Book / Page	1042 / 24
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12903 WATCH PT E, MIDLOTHIAN, VA 23114-3061
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014529-367
Date	Apr 16, 2024
Book Page	14529/367
Instrument	2024010643

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Recording Date	Jun 25, 2026
Property Address	12903 WATCH PT E, MIDLOTHIAN, VA 23114-3061
Document Number	0000023431
Book / Page	15295 / 729
Instrument Date	Jun 18, 2026
Instrument	202623431
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12903 WATCH PT E, MIDLOTHIAN, VA 23114-3061

Mortgage

Document Number	0000023431,
Date	Jun 25, 2026
Book Page	15295/729
Instrument	202623431

Lender

Name	WESTERN MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

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	$3,764.00 (+12.66%)	$420,200 (+2.44%) Land $93,300 Building $326,900	$420,200 (+2.44%) Land $93,300 Building $326,900
2025		$410,200 (+12.54%) Land $83,300 Building $326,900	$410,200 (+12.54%) Land $83,300 Building $326,900
2023	$3,341.00	$364,500 Land $74,300 Building $290,200	$364,500 Land $74,300 Building $290,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

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	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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