Chesterfield County property record for 3501 Ludgate Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,829 sqft · built 1985 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Feb 2019) |
| Tax Bill | $3,054 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09716100000C007 |
| Primary APN | 09716100000C007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,829 sqft Finished Area |
| 1st Floor Area | 100 sqft |
| Utility Area | 96 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 11,456 sqft (0.263 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 402911001 |
|---|---|
| Street Address | 3501 LUDGATE RD |
| City | CHESTER |
| State | VA |
| Zip | 23831-1875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 - SINGL |
| Legal Description | SUMMIT POINT L 7 BK C |
| Legal Subdivision | SUMMIT POINT |
| Legal Block | C |
| Legal Lot Number | 7 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 100409 |
3501 Ludgate Rd is owned and occupied by an individual who bought it in February 2019.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3501 LUDGATE RD, CHESTER, VA 23831-1875 |
| 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 |
|---|---|
| Apr 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Feb 27, 2019 | Warranty Deed, Transfer · FHA Mortgage VIRGINIA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2019 · Amount on File |
| Deed Sale | Feb 27, 2019 · Amount on File |
| Prior Sale | Dec 15, 2005 · Amount on File |
| Deed Document Number | 20196685 |
| Deed Book / Page | 12232 / 468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3501 LUDGATE RD, CHESTER, VA 23831-1875 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 013382-250 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 13382/250 |
| Instrument | 2021027168 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | May 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Feb 27, 2019 |
| Property Address | 3501 LUDGATE RD, CHESTER, VA 23831-1875 |
| Document Number | 12232468 |
| Book / Page | 012232 / 000468 |
| Instrument Date | Feb 7, 2019 |
| Instrument | 6685 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2019 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3501 LUDGATE RD CHESTER VA 238311875, CHESTER, VA 23831-1875 |
| Document Number | 12232472 |
|---|---|
| Date | Feb 27, 2019 |
| Book Page | 012232/000472 |
| Instrument | 6686 |
| Name | VIRGINIA CU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 3501 Ludgate Rd was $3,054.
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 | $3,054.00 | $340,400 (+6.64%) Land $65,000 Building $275,400 | $340,400 (+6.64%) Land $65,000 Building $275,400 |
| 2025 | $319,200 Land $62,000 Building $257,200 | $319,200 Land $62,000 Building $257,200 | |
| 2023 | $2,519.00 | $274,100 Land $54,000 Building $220,100 | $274,100 Land $54,000 Building $220,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3501 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 3501 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 248 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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