12913 Chipstead Rd, Chester, VA 23831 Property Records

Chesterfield County property record for 12913 Chipstead Rd, Chester, VA 23831

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,808 sqft · built 1998
Lot Size	0.463 acres (20,168 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Apr 2018)
Tax Bill	$5,833 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`793-64-92-74-700-000`

Property Details

APN / Parcel Number

Primary APN	`793-64-92-74-700-000`
Alternative APNs	`132040900000043` `395420001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,808 sqft Finished Area
Basement Area	1,600 sqft
Finished Basement	896 sqft
Unfinished Basement	704 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	20,168 sqft (0.463 acres)
Garage Area	904 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	242 sqft
Deck Area	64 sqft
Patio Area	64 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	395420001
Street Address	12913 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 000-043
Legal Subdivision	HIDDEN VALLEY ESTATES
Legal Lot Number	43
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1000
Census Tract	100506

Owner

12913 Chipstead Rd is owned and occupied by an individual who bought it in April 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	12913 CHIPSTEAD RD, CHESTER, VA 23831-4666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST COMPANY
Apr 9, 2018	Warranty Deed, Transfer · Conventional with PMI FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2018 · Amount on File
Deed Sale	Apr 9, 2018 · Amount on File
Prior Sale	Sep 26, 2005 · Amount on File
Deed Document Number	201812394
Deed Book / Page	11944 / 453
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	12913 CHIPSTEAD RD, CHESTER, VA 23831-4666
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013867-702
Date	Mar 1, 2022
Book Page	13867/702
Instrument	2022009571

Lender

Name	FIRST CITIZENS BANK & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Apr 9, 2018
Property Address	12913 CHIPSTEAD RD, CHESTER, VA 23831-4666
Document Number	11944453
Book / Page	011944 / 000453
Instrument Date	Mar 20, 2018
Instrument	12394
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12913 CHIPSTEAD RD CHESTER VA 238314666, CHESTER, VA 23831-4666

Mortgage

Document Number	11944457
Date	Apr 9, 2018
Book Page	011944/000457
Instrument	12395

Lender

Name	FIRST CITIZENS BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12913 Chipstead Rd was $5,833.

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	$5,833.00	$652,600 (+3.15%) Land $83,000 Building $569,600	$652,600 (+3.15%) Land $83,000 Building $569,600
2025		$632,700 Land $83,000 Building $549,700	$632,700 Land $83,000 Building $549,700
2023	$5,085.00	$551,900 Land $81,000 Building $470,900	$551,900 Land $81,000 Building $470,900

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

Flood

FEMA maps place 12913 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 12913 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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