Chesterfield County property record for 3420 Ludgate Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,284 sqft · built 1986 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $207,500 (Mar 2015) |
| Tax Bill | $3,860 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09716100000B024 |
| Primary APN | 09716100000B024 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,284 sqft Finished Area |
| 1st Floor Area | 556 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Area | 368 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 154 sqft |
| Patio Area | 154 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 371958001 |
|---|---|
| Street Address | 3420 LUDGATE RD |
| City | CHESTER |
| State | VA |
| Zip | 23831-1872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 - SINGL |
| Legal Description | SUMMIT POINT L 24 BK B |
| Legal Subdivision | SUMMIT POINT |
| Legal Block | B |
| Legal Lot Number | 24 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 100409 |
3420 Ludgate Rd is owned and occupied by an individual who bought it in March 2015.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3420 LUDGATE RD, CHESTER, VA 23831-1872 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2015 · Amount on File |
| Deed Sale | Mar 27, 2015 · Amount on File |
| Prior Sale | Nov 5, 2012 · Amount on File |
| Deed Book / Page | 1081 / 30694 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3420 Ludgate Rd was $3,860.
Source: Chesterfield County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Chesterfield County |
| Unified School District | Chesterfield County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,860.00 | $431,000 (+3.86%) Land $65,000 Building $366,000 | $431,000 (+3.86%) Land $65,000 Building $366,000 |
| 2025 | $415,000 Land $62,000 Building $353,000 | $415,000 Land $62,000 Building $353,000 | |
| 2023 | $3,155.00 | $344,000 Land $54,000 Building $290,000 | $344,000 Land $54,000 Building $290,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3420 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 risk around 3420 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.
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 |
| 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) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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