Chesterfield County property record for 3646 Pencader Rd, Midlothian, VA 23112
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,526 sqft · built 2011 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (Aug 2021) |
| Tax Bill | $5,664 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 718-68-99-92-800-000 |
| Primary APN | 718-68-99-92-800-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,526 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,024 sqft (0.299 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 186 sqft |
| Patio Area | 288 sqft |
| Balcony Area | 14 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 429209000 |
|---|---|
| Street Address | 3646 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 1 019 |
| Legal Subdivision | ROUNTREY |
| Legal Lot Number | 19 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | CLOVER HILL |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 100938 |
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 File |
|---|---|
| Mailing Address | 3646 PENCADER RD, MIDLOTHIAN, VA 23112-4488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALL FEDERAL CREDIT UNION |
| Aug 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Feb 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FULTON BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2021 · Amount on File |
| Deed Sale | Aug 18, 2021 · Amount on File |
| Prior Sale | Nov 23, 2016 |
| Deed Document Number | 202153497 |
| Deed Book / Page | 13580 / 297 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3646 PENCADER RD, MIDLOTHIAN, VA 23112-4488 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 013744-185 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 13744/185 |
| Instrument | 2021074511 |
| Name | CALL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Aug 18, 2021 |
| Property Address | 3646 PENCADER RD, MIDLOTHIAN, VA 23112-4488 |
| Document Number | 13580-297 |
| Book / Page | 13580 / 297 |
| Instrument Date | Aug 4, 2021 |
| Instrument | 2021053497 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Title Company | ATLANTIC COAST SETTLEMENT SERVICES, ATLANTIC COAST STLMNT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3646 PENCADER RD, MIDLOTHIAN, VA 23112-4488 |
| Document Number | 2021053498 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 2021053498 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3646 PENCADER RD, MIDLOTHIAN, VA 23112-4488 |
| Document Number | 12627293 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3646 PENCADER RD MIDLOTHIAN VA 231124488, MIDLOTHIAN, VA 23112-4488 |
| Document Number | 12627293 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 012627/000293 |
| Instrument | 6513 |
| Name | FULTON BK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| 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 | $5,664.00 (+12.47%) | $633,600 (+4.73%) Land $125,000 Building $508,600 | $633,600 (+4.73%) Land $125,000 Building $508,600 |
| 2025 | $605,000 (+9.86%) Land $115,000 Building $490,000 | $605,000 (+9.86%) Land $115,000 Building $490,000 | |
| 2023 | $5,036.00 | $550,700 Land $110,000 Building $440,700 | $550,700 Land $110,000 Building $440,700 |
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 |
| Flood Insurance Cost | Premium on File 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.
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.
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 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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