12911 Chipstead Rd, Chester, VA 23831 Property Records

Chesterfield County property record for 12911 Chipstead Rd, Chester, VA 23831

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,571 sqft · built 1993
Lot Size	0.515 acres (22,433 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Oct 2025)
Tax Bill	$4,940 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`793-64-92-65-800-000`

Property Details

APN / Parcel Number

Primary APN	`793-64-92-65-800-000`
Alternative APNs	`132040900000042` `388782001` `495406000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,571 sqft Finished Area
1st Floor Area	530 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	22,433 sqft (0.515 acres)
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	394 sqft
Patio Area	394 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	495406000
Street Address	12911 CHIPSTEAD RD
City	CHESTER
State	VA
Zip	23831-4666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	HIDDEN VALLEY EST SEC6 000-042
Legal Subdivision	HIDDEN VALLEY ESTATES
Legal Lot Number	42
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1000
Census Tract	100506

Owner

12911 Chipstead Rd is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	12911 CHIPSTEAD RD, CHESTER, VA 23831-4666
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

Date	Document
Oct 7, 2025	Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Sep 15, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Feb 15, 2018	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Jun 12, 2017	Grant Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2025 · Amount on File
Deed Sale	Oct 7, 2025 · Amount on File
Prior Sale	Jun 12, 2017 · Amount on File
Deed Document Number	202534305
Deed Book / Page	15027 / 483
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Oct 7, 2025
Property Address	12911 CHIPSTEAD RD, CHESTER, VA 23831-4666
Document Number	015027-483
Book / Page	15027 / 483
Map Reference	MB 66 PG 11
Instrument Date	Oct 1, 2025
Instrument	250034305
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12911 CHIPSTEAD RD, CHESTER, VA 23831-4666

Mortgage

Document Number	0250034306
Date	Oct 7, 2025
Instrument	250034306

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12911 CHIPSTEAD RD, CHESTER, VA 23831-4666
Document Number	12970382
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12911 CHIPSTEAD RD CHESTER VA 238314666, CHESTER, VA 23831-4666

Mortgage

Document Number	12970382
Date	Sep 21, 2020
Book Page	012970/000382
Instrument	49619

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12911 CHIPSTEAD RD, CHESTER, VA 23831-4666
Document Number	11897430
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	11897430
Date	Feb 16, 2018
Book Page	011897/000430
Instrument	5571

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2048

Interest

Rate Type	Fixed Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Jun 12, 2017
Property Address	12911 CHIPSTEAD RD, CHESTER, VA 23831-4666
Document Number	11649891
Book / Page	011649 / 000891
Instrument Date	May 26, 2017
Instrument	22907
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$347.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12911 CHIPSTEAD RD CHESTER VA 238314666, CHESTER, VA 23831-4666

Mortgage

Document Number	11649895
Date	Jun 12, 2017
Book Page	011649/000895
Instrument	22908

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12911 Chipstead Rd was $4,940, up 3% from the year before.

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	$4,940.00 (+3.02%)	$552,300 (+3.04%) Land $83,000 Building $469,300	$552,300 (+3.04%) Land $83,000 Building $469,300
2025	$4,795.00	$536,000 Land $83,000 Building $453,000	$536,000 Land $83,000 Building $453,000
2023	$4,201.00	$458,900 Land $81,000 Building $377,900	$458,900 Land $81,000 Building $377,900

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

Flood

FEMA maps place 12911 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 12911 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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