3607 Pencader Rd, Midlothian, VA 23112 Property Records

Chesterfield County property record for 3607 Pencader Rd, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,059 sqft · built 2011
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$421,000 (Aug 2019)
Tax Bill	$5,777 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`719-68-92-55-400-000`

Property Details

APN / Parcel Number

Primary APN	`719-68-92-55-400-000`
Alternative APN	`407964001`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,059 sqft Finished Area
1st Floor Area	1,388 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	228 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	407964001
Street Address	3607 PENCADER RD
City	MIDLOTHIAN
State	VA
Zip	23112-4488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9 - SINGL
Legal Description	ROUNTREY SEC 1 032
Legal Subdivision	ROUNTREY
Legal Lot Number	32
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	CLOVER HILL
Census Block Group	2
Census Block	2027
Census Tract	100938

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3607 PENCADER RD, MIDLOTHIAN, VA 23112-4488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	May 2, 2011 · Amount on Record
Deed Document Number	201934196
Deed Book / Page	12431 / 752
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Aug 30, 2019
Property Address	3607 PENCADER RD, MIDLOTHIAN, VA 23112-4488
Document Number	12431752
Book / Page	012431 / 000752
Instrument Date	Aug 20, 2019
Instrument	34196
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$421.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 PENCADER RD MIDLOTHIAN VA 231124488, MIDLOTHIAN, VA 23112-4488

Mortgage

Document Number	12431756
Date	Aug 30, 2019
Book Page	012431/000756
Instrument	34197

Lender

Name	USAA FED'L SVGS BK

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Interest

Rate Type	Fixed Rate
Rate	3.88%

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	$5,777.00 (+13.16%)	$646,300 (+4.73%) Land $125,000 Building $521,300	$646,300 (+4.73%) Land $125,000 Building $521,300
2025		$617,100 (+10.53%) Land $115,000 Building $502,100	$617,100 (+10.53%) Land $115,000 Building $502,100
2023	$5,105.00	$558,300 Land $110,000 Building $448,300	$558,300 Land $110,000 Building $448,300

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · rainfall accumulation

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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 266 locations within half a mile, as of December 31, 2025

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