14530 Charters Bluff Trl, Midlothian, VA 23114 Property Records

Chesterfield County property record for 14530 Charters Bluff Trl, Midlothian, VA 23114

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,732 sqft · built 2008
Lot Size	0.222 acres (9,670 sqft)
Owner	Individual Name on File
Tax Bill	$5,738 (2026)
Deeds & Mortgages	Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`724-70-42-88-900-000`

Property Details

APN / Parcel Number

Primary APN	`724-70-42-88-900-000`
Alternative APN	`349927002`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,732 sqft Finished Area
1st Floor Area	789 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Other
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	9,670 sqft (0.222 acres)
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	349927002
Street Address	14530 CHARTERS BLUFF TRL
City	MIDLOTHIAN
State	VA
Zip	23114-4691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9 - SINGL
Legal Description	BERKLEY VILLAGE SEC A 054
Legal Subdivision	BERKLEY VILLAGE-CHARTER COLONY
Legal Lot Number	54
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MIDLOTHIAN
Census Block Group	3
Census Block	3025
Census Tract	100928

Owner

14530 Charters Bluff Trl is owned and occupied by an individual who acquired it in January 2015.

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

Owner of Record	Individual Name on File
Mailing Address	14530 CHARTERS BLUFF TRL, MIDLOTHIAN, VA 23114-4691
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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	Jan 26, 2015
Deed Sale	Jan 26, 2015
Prior Sale	Mar 30, 2011 · Amount on File
Deed Book / Page	1075 / 80825
Prior Transfer Date	Dec 22, 2014
Prior Transfer Doc	1075-80825
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	14530 CHARTERS BLUFF TRL, MIDLOTHIAN, VA 23114-4691
Document Number	12246786
Instrument Date	Feb 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14530 CHARTERS BLUFF TRL MIDLOTHIAN VA 231144691, MIDLOTHIAN, VA 23114-4691

Mortgage

Document Number	12246786
Date	Mar 18, 2019
Book Page	012246/000786
Instrument	8741

Lender

Name	BRANCH BANKING & TR CO

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 14530 Charters Bluff Trl was $5,738, up 3.7% 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	$5,738.00 (+3.67%)	$642,000 (+3.7%) Land $106,000 Building $536,000	$642,000 (+3.7%) Land $106,000 Building $536,000
2025	$5,535.00	$619,100 Land $96,000 Building $523,100	$619,100 Land $96,000 Building $523,100
2023	$5,123.00	$560,300 Land $96,000 Building $464,300	$560,300 Land $96,000 Building $464,300

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

Flood

FEMA maps place 14530 Charters Bluff Trl in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 14530 Charters Bluff Trl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20