307 Cottage Ct, Suffolk, VA 23434 Property Records

Suffolk City property record for 307 Cottage Ct, Suffolk, VA 23434

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,459 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (May 2022)
Tax Bill	$4,476 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
APN	`33K*44`

Property Details

APN / Parcel Number

Primary APN	`33K*44`
Alternative APN	`153877100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,459 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Split Level
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	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	153877100
Street Address	307 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 44, REIDS CROSSING
Legal Subdivision	REIDS CROSSING
Legal Lot Number	44
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2002
Census Tract	75702

Owner

Source: Suffolk City records, as of December 24, 2025

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	307 COTTAGE CT, SUFFOLK, VA 23434-6754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Deed Document Number	220007081
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	May 9, 2022
Property Address	307 COTTAGE CT, SUFFOLK, VA 23434-6754
Document Number	0220007081
Instrument Date	Apr 27, 2022
Instrument	220007081
Transaction Type	Transfer
Record Updated	Jun 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 COTTAGE CT, SUFFOLK, VA 23434-6754

Mortgage

Document Number	0220007082
Date	May 9, 2022
Instrument	220007082

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 30, 2052

Interest

Rate Type	Fixed Rate
Rate	4.8%

Tax Assessment & Valuation

Source: Suffolk City assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Suffolk City
Unified School District	Suffolk City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$376,300 (+3.41%) Land $80,000 Building $296,300
2025	$4,476.00 (+4.43%)	$376,300 (+3.41%) Land $80,000 Building $296,300	$363,900 (+8.95%) Land $80,000 Building $283,900
2024	$4,286.00 (+17.75%)	$363,900 (+8.95%) Land $80,000 Building $283,900
2023	$3,640.00	$334,000 Land $75,000 Building $259,000	$334,000 Land $75,000 Building $259,000

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 · 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	Hurricane Matthew, Oct 2016 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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 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