Suffolk City property record for 305 Cottage Ct, Suffolk, VA 23434
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,462 sqft · built 2001 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $214,000 (May 2017) |
| Tax Bill | $3,609 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jul 2019 Mortgage + 1 more |
| APN | 33K*43 |
| Primary APN | 33K*43 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,462 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Heat Pump |
|---|
| Account Number | 153877000 |
|---|---|
| Street Address | 305 COTTAGE CT |
| City | SUFFOLK |
| State | VA |
| Zip | 23434-6754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES LOW-MEDIUM DENSITY |
| Legal Description | L 43, REIDS CROSSING |
| Legal Subdivision | REIDS CROSSING |
| Legal Lot Number | 43 |
| Jurisdiction | SUFFOLK CITY VA |
| Township / Civil Division | SUFFOLK |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 75702 |
305 Cottage Ct is owned and occupied by an individual who bought it in May 2017.
Source: Suffolk City records, as of December 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 305 COTTAGE CT, SUFFOLK, VA 23434-6754 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 15, 2017 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2017 · Amount on File |
| Deed Sale | May 15, 2017 · Amount on File |
| Deed Document Number | 170005400 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK CITY VA |
| Recording Date | Oct 13, 2026 |
| Property Address | 305 COTTAGE CT, SUFFOLK, VA 23434-6754 |
| Document Number | 0000012479 |
| Instrument Date | Oct 3, 2026 |
| Instrument | 202612479 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Surviving Joint Tenant, 290 |
| Address | 305 COTTAGE CT, SUFFOLK, VA 23434-6754 |
| Document Number | 0000012479, |
|---|---|
| Date | Oct 13, 2026 |
| Instrument | 202612479 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK CITY VA |
| Property Address | 305 COTTAGE CT, SUFFOLK, VA 23434-6754 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0190008005 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 190008005 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUFFOLK CITY VA |
| Recording Date | May 15, 2017 |
| Property Address | 305 COTTAGE CT, SUFFOLK, VA 23434-6754 |
| Document Number | 170005400 |
| Instrument Date | May 12, 2017 |
| Instrument | 170005400 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 COTTAGE CT, SUFFOLK, VA 23434-6754 |
| Document Number | 170005401 |
|---|---|
| Date | May 15, 2017 |
| Instrument | 170005401 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 305 Cottage Ct was $3,609, up 4.3% from the year before.
Source: Suffolk City assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Suffolk City |
| Unified School District | Suffolk City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $295,300 (+3%) Land $80,000 Building $215,300 | ||
| 2025 | $3,609.00 (+4.31%) | $295,300 (+3%) Land $80,000 Building $215,300 | $286,700 Land $80,000 Building $206,700 |
| 2024 | $3,460.00 (+20.22%) | $286,700 (+8.56%) Land $80,000 Building $206,700 | |
| 2023 | $2,878.00 | $264,100 Land $75,000 Building $189,100 | $264,100 Land $75,000 Building $189,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 305 Cottage Ct; there have been 6 flood claims nearby since 1999.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 6 (1999–2016) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Oct 2016 · rainfall accumulation |
| Claims by Event |
|
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 risk around 305 Cottage Ct 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 | None beyond ember reach |
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 | CITY OF SUFFOLK serves 69,822 people · EPA ID VA3800805 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 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 196 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures