Chesterfield County property record for 12909 Chipstead Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,688 sqft · built 2006 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $412,000 (Oct 2006) |
| Tax Bill | $25 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance |
| Flood Zone | Zone X (moderate risk) |
| APN | 793-64-91-07-800-000 |
| Primary APN | 793-64-91-07-800-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,688 sqft Finished Area |
| 1st Floor Area | 1,528 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 28,314 sqft (0.65 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 285 sqft |
| Patio Area | 285 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 323704001 |
|---|---|
| Street Address | 12909 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 000-039 |
| Legal Subdivision | HIDDEN VALLEY ESTATES |
| Legal Lot Number | 39 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 100506 |
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 | 12909 CHIPSTEAD RD, CHESTER, VA 23831-4665 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2006 · Amount on Record |
| Deed Sale | Oct 2, 2006 · Amount on Record |
| Prior Sale | Apr 19, 2005 · Amount on Record |
| Deed Book / Page | 7389 / 294 |
| Prior Transfer Date | Apr 5, 2005 |
| Prior Transfer Doc | 006335-712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12909 CHIPSTEAD RD, CHESTER, VA 23831-4665 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 013660-939 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 13660/939 |
| Instrument | 2021063677 |
| Name | MR COOPER |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2041 |
| Rate Type | Fixed 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 | $25.00 | $521,000 (+2.88%) Land $83,000 Building $438,000 | $521,000 (+2.88%) Land $83,000 Building $438,000 |
| 2025 | $25.00 (-89.8%) | $506,400 (+17.79%) Land $83,000 Building $423,400 | $506,400 (+17.79%) Land $83,000 Building $423,400 |
| 2023 | $245.00 | $429,900 Land $81,000 Building $348,900 | $429,900 Land $81,000 Building $348,900 |
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 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.
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.
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 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 |
5G (outdoors only) and 4G LTE
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