3243 Ludgate Rd, Chester, VA 23831 Property Records

Chesterfield County property record for 3243 Ludgate Rd, Chester, VA 23831

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,726 sqft · built 2015
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$261,500 (Jul 2018)
Tax Bill	$3,892 (2026)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09716100000B050`

Property Details

APN / Parcel Number

Primary APN	`09716100000B050`
Alternative APNs	`793-65-96-74-800-000` `397984001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,726 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	397984001
Street Address	3243 LUDGATE RD
City	CHESTER
State	VA
Zip	23831-1869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	SUMMIT POINT L 50 BK B
Legal Subdivision	SUMMIT POINT
Legal Block	B
Legal Lot Number	50
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	4
Census Block	4004
Census Tract	100409

Owner

3243 Ludgate Rd is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3243 LUDGATE RD, CHESTER, VA 23831-1869
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	Sep 2, 2015 · Amount on File
Deed Document Number	201825776
Deed Book / Page	12039 / 226
Record Updated	Sep 20, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Jul 13, 2018
Property Address	3243 LUDGATE RD, CHESTER, VA 23831-1869
Document Number	12039226
Book / Page	012039 / 000226
Instrument Date	Jul 5, 2018
Instrument	25776
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 LUDGATE RD CHESTER VA 238311869, CHESTER, VA 23831-1869

Mortgage

Document Number	12039229
Date	Jul 13, 2018
Book Page	012039/000229
Instrument	25777

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3243 Ludgate Rd was $3,892.

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	$3,892.00	$434,500 (+8%) Land $65,000 Building $369,500	$434,500 (+8%) Land $65,000 Building $369,500
2025		$402,300 Land $62,000 Building $340,300	$402,300 Land $62,000 Building $340,300
2023	$3,278.00	$357,500 Land $54,000 Building $303,500	$357,500 Land $54,000 Building $303,500

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

Flood

FEMA maps place 3243 Ludgate Rd 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	1 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 3243 Ludgate Rd 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20