3656 Desert Rd, Suffolk, VA 23434 Property Records

Suffolk City property record for 3656 Desert Rd, Suffolk, VA 23434

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,809 sqft · built 1997
Lot Size	4.72 acres (205,603 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Apr 2020)
Tax Bill	$4,602 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2022 Second Mortgage + 2 more
APN	`67164`

Property Details

APN / Parcel Number

Primary APN	`67164`
Alternative APN	`053462400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,809 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	205,603 sqft (4.72 acres)
Garage Type	Attached
Garage Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other

Location & Zoning

Account Number	053462400
Street Address	3656 DESERT RD
City	SUFFOLK
State	VA
Zip	23434-7942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	PARCEL 4,DEERFIELD FARMS, SEC.4,RT.604
Legal Subdivision	DEERFIELD FARMS SD
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	1
Census Block	1017
Census Tract	75602

Owner

Source: Suffolk City records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3656 DESERT RD, SUFFOLK, VA 23434-7942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Sep 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CHARTWAY FEDERAL CREDIT UNION
Apr 7, 2020	Warranty Deed, Transfer · FHA Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Deed Document Number	20204387
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Recording Date	Apr 21, 2026
Property Address	3656 DESERT RD, SUFFOLK, VA 23434-7942
Document Number	0000004820
Instrument Date	Apr 13, 2026
Instrument	20264820
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 DESERT RD, SUFFOLK, VA 23434-7942

Mortgage

Document Number	0000004820,
Date	Apr 21, 2026
Instrument	20264820

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	3656 DESERT RD, SUFFOLK, VA 23434-7942
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220013978
Date	Sep 28, 2022
Instrument	220013978

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 28, 2032

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	3656 DESERT RD, SUFFOLK, VA 23434-7942
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210016817
Date	Sep 15, 2021
Instrument	210016817

Lender

Name	CHARTWAY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.13%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Apr 7, 2020
Property Address	3656 DESERT RD, SUFFOLK, VA 23434-7942
Document Number	200004387
Instrument Date	Apr 1, 2020
Instrument	200004387
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	TRUE NORTH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 DESERT RD, SUFFOLK, VA 23434-7942

Mortgage

Document Number	200004388
Date	Apr 7, 2020
Instrument	200004388

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Suffolk City assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Suffolk City
Unified School District	Suffolk City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$388,100 (+8.59%) Land $104,100 Building $284,000
2025	$4,602.00 (+9.13%)	$388,100 (+8.59%) Land $104,100 Building $284,000	$357,400 (+3.06%) Land $94,600 Building $262,800
2024	$4,217.00 (+11.56%)	$357,400 (+3.06%) Land $94,600 Building $262,800
2023	$3,780.00	$346,800 Land $94,600 Building $252,200	$346,800 Land $94,600 Building $252,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2003–2009)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2009 · 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 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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