3607 Stone Harbor Dr, Midlothian, VA 23113 Property Records

Chesterfield County property record for 3607 Stone Harbor Dr, Midlothian, VA 23113

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,864 sqft · built 2014
Lot Size	0.614 acres (26,746 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Oct 2014)
Tax Bill	$6,522 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`725-72-69-13-500-000`

Property Details

APN / Parcel Number

Primary APN	`725-72-69-13-500-000`
Alternative APN	`369741001`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,864 sqft Finished Area
1st Floor Area	476 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	26,746 sqft (0.614 acres)
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	55 sqft
Deck Area	Deck Area
Patio Area	187 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	369741001
Street Address	3607 STONE HARBOR DR
City	MIDLOTHIAN
State	VA
Zip	23113-9200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15 - SING
Legal Description	STONE HARBOR 001
Legal Subdivision	STONE HARBOR
Legal Lot Number	1
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MIDLOTHIAN
Census Block Group	3
Census Block	3000
Census Tract	100926

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Keswick listed 1974 · 8 contributing resources · NRIS 74002144

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	3607 STONE HARBOR DR, MIDLOTHIAN, VA 23113-9200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2014 · Amount on Record
Deed Sale	Oct 16, 2014 · Amount on Record
Prior Sale	Jan 28, 2014 · Amount on Record
Deed Book / Page	1067 / 60320
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	3607 STONE HARBOR DR, MIDLOTHIAN, VA 23113-9200
Document Number	12860959
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 STONE HARBOR DR MIDLOTHIAN VA 231139200, MIDLOTHIAN, VA 23113-9200

Mortgage

Document Number	12860959
Date	Jul 23, 2020
Book Page	012860/000959
Instrument	35648

Lender

Name	JP MORGAN CHASE BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2035

Interest

Rate Type	Fixed Rate
Rate	2.88%

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	$6,522.00 (+10.45%)	$730,000 (+5.78%) Land $195,000 Building $535,000	$730,000 (+5.78%) Land $195,000 Building $535,000
2025		$690,100 (+6.79%) Land $195,000 Building $495,100	$690,100 (+6.79%) Land $195,000 Building $495,100
2023	$5,905.00	$646,200 Land $166,000 Building $480,200	$646,200 Land $166,000 Building $480,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	25 (1979–2010)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Jan 2010 · other causes
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 5 claims

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	0.02% 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20