Chesterfield County property record for 3530 Ludgate Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,010 sqft · built 1987 |
| Lot Size | 0.276 acres (12,023 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (May 2007) |
| Tax Bill | $3,319 (2026) |
| Deeds & Mortgages | Mar 2020 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09716100000A003 |
| Primary APN | 09716100000A003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,010 sqft Finished Area |
| 1st Floor Area | 160 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,023 sqft (0.276 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Balcony Area | 74 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 328468001 |
|---|---|
| Street Address | 3530 LUDGATE RD |
| City | CHESTER |
| State | VA |
| Zip | 23831-1874 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 - SINGL |
| Legal Description | SUMMIT POINT L 3 BK A |
| Legal Subdivision | SUMMIT POINT |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 100409 |
Source: Chesterfield County records, as of June 22, 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 | 3530 LUDGATE RD, CHESTER, VA 23831-1874 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2020 | Deed of Trust, Mortgage · Conventional with PMI VILLAGE BK MTG |
| Jan 14, 2019 | Deed of Trust, Mortgage · Conventional with PMI VILLAGE BK MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2007 · Amount on Record |
| Deed Sale | May 23, 2007 · Amount on Record |
| Prior Sale | Aug 21, 2001 |
| Deed Book / Page | 7802 / 110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3530 LUDGATE RD, CHESTER, VA 23831-1874 |
| Document Number | 12664100 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3530 LUDGATE RD CHESTER VA 238311874, CHESTER, VA 23831-1874 |
| Document Number | 12664100 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 012664/000100 |
| Instrument | 11576 |
| Name | VILLAGE BK MTG |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 12, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3530 LUDGATE RD, CHESTER, VA 23831-1874 |
| Document Number | 1220550 |
| Instrument Date | Jan 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2019 |
| Name | Verified Name |
|---|---|
| Address | 3530 LUDGATE RD CHESTER VA 238311874, CHESTER, VA 23831-1874 |
| Document Number | 1220550 |
|---|---|
| Date | Jan 22, 2019 |
| Book Page | 012205/000050 |
| Instrument | 2275 |
| Name | VILLAGE BK MTG |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $3,319.00 (+21.8%) | $370,200 (+6.72%) Land $65,000 Building $305,200 | $370,200 (+6.72%) Land $65,000 Building $305,200 |
| 2025 | $346,900 (+16.88%) Land $62,000 Building $284,900 | $346,900 (+16.88%) Land $62,000 Building $284,900 | |
| 2023 | $2,725.00 | $296,800 Land $54,000 Building $242,800 | $296,800 Land $54,000 Building $242,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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