3116 Spreading Oak Rd, Midlothian, VA 23112 Property Records

Chesterfield County property record for 3116 Spreading Oak Rd, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft · built 1984
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on Record
Tax Bill	$25 (2026)
Deeds & Mortgages	Jan 2022 Refinance Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04706080300C007`

Property Details

APN / Parcel Number

Primary APN	`04706080300C007`
Alternative APNs	`724-68-65-85-700-000` `143173001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,278 sqft Finished Area
1st Floor Area	300 sqft
Utility Area	56 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.174 acres)

Exterior Amenities

Deck Area	48 sqft
Patio Area	236 sqft
Balcony Area	36 sqft
Shed	1 Shed
Shed Area	56 sqft
Storage Building	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	143173001
Street Address	3116 SPREADING OAK RD
City	MIDLOTHIAN
State	VA
Zip	23112-4607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	THE OAKS L 7 BK C PH III
Legal Subdivision	THE OAKS
Legal Phase	3
Legal Block	C
Legal Lot Number	7
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	CLOVER HILL
Census Block Group	1
Census Block	1000
Census Tract	100912

Owner

Source: Chesterfield County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3116 SPREADING OAK RD, MIDLOTHIAN, VA 23112-4607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE INC
Aug 18, 2017	Deed of Trust, Mortgage · Line of Credit VIRGINIA CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	3116 SPREADING OAK RD, MIDLOTHIAN, VA 23112-4607
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013815-571
Date	Jan 14, 2022
Book Page	13815/571
Instrument	2022002389

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.28%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	3116 SPREADING OAK RD, MIDLOTHIAN, VA 23112-4607
Document Number	11733213
Book / Page	011733 / 000213
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11733213
Date	Aug 28, 2017
Book Page	011733/000213
Instrument	34294

Lender

Name	VIRGINIA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 27, 2037

Interest

Rate Type	Adjustable Rate

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	$25.00	$287,800 (-) Land $70,000 Building $217,800	$287,800 (-) Land $70,000 Building $217,800
2025		$287,800 (+11.98%) Land $70,000 Building $217,800	$287,800 (+11.98%) Land $70,000 Building $217,800
2023	$25.00	$257,000 Land $64,000 Building $193,000	$257,000 Land $64,000 Building $193,000

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
Flood Insurance Cost	Premium on Record median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	7 (1979–2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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 95% of the US · lower than 97.5% 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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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