20331 River Rd, Chesterfield, VA 23838 Property Records

Chesterfield County property record for 20331 River Rd, Chesterfield, VA 23838

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,873 sqft · built 2018
Lot Size	11.2 acres (489,179 sqft)
Owner	Individual Name on Record
Last Sale	$720,000 (Jul 2020)
Tax Bill	$6,085 (2026)
Deeds & Mortgages	May 2025 Line of Credit Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`688-63-87-04-100-000`

Property Details

APN / Parcel Number

Primary APN	`688-63-87-04-100-000`
Alternative APNs	`139000200000004` `415264001`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,873 sqft Finished Area
1st Floor Area	1,810 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	489,179 sqft (11.2 acres)
Garage Area	948 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	585 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	415264001
Street Address	20331 RIVER RD
City	CHESTERFIELD
State	VA
Zip	23838-1037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A - AGRICU
Legal Description	SOUTH OF RIVER RD PARCEL 3
Legal Subdivision	SOUTH OF RIVER RD PARCEL 3
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MATOACA
Census Block Group	3
Census Block	3027
Census Tract	101004

Owner

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 Record
Mailing Address	20331 RIVER RD, CHESTERFIELD, VA 23838-1037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NATIONAL ASSOCIATION
Jul 6, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Feb 27, 2018	Deed of Trust, Mortgage GEORGE MASON MTG
Jan 10, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Jan 10, 2017 · Amount on Record
Deed Document Number	202032113
Deed Book / Page	12832 / 482
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	20331 RIVER RD, CHESTERFIELD, VA 23838-1037
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014876-652
Date	May 9, 2025
Book Page	14876/652
Instrument	2025015038

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 6, 2065

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Jul 6, 2020
Property Address	20331 RIVER RD, CHESTERFIELD, VA 23838-1037
Document Number	12832482
Book / Page	012832 / 000482
Instrument Date	Jun 22, 2020
Instrument	32113
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20331 RIVER RD CHESTERFIELD VA 238381037, CHESTERFIELD, VA 23838-1037

Mortgage

Document Number	12832486
Date	Jul 6, 2020
Book Page	012832/000486
Instrument	32114

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	20331 RIVER RD, CHESTERFIELD, VA 23838-1037
Document Number	11911579
Instrument Date	Feb 27, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11911579
Date	Mar 5, 2018
Book Page	011911/000579
Instrument	7612

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

Interest

Rate Type	Fixed Rate
Rate	3.37%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Jan 10, 2017
Property Address	20331 RIVER RD, CHESTERFIELD, VA 23838-1037
Document Number	11499256
Book / Page	011499 / 000256
Instrument Date	Jan 3, 2017
Instrument	1117
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$130.00
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	8519 HAMPTON VALLEY DR CHESTERFIELD VA 238322051, CHESTERFIELD, VA 23832-2051

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	$6,085.00 (+6.31%)	$680,900 (+7.14%) Land $146,300 Building $534,600	$680,900 (+7.14%) Land $146,300 Building $534,600
2025		$635,500 (+1.47%) Land $140,300 Building $495,200	$635,500 (+1.47%) Land $140,300 Building $495,200
2023	$5,724.00	$626,300 Land $135,300 Building $491,000	$626,300 Land $135,300 Building $491,000

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 X minimal risk
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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