Chesterfield County property record for 3902 Echo Ridge Ct, Midlothian, VA 23112
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,181 sqft · built 1980 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $263,500 (Aug 2022) |
| Tax Bill | $2,484 (2026) |
| Deeds & Mortgages | Jan 2020 Mortgage Mar 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04813040A00B003 |
| Primary APN | 04813040A00B003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,181 sqft Finished Area |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,024 sqft (0.299 acres) |
| View / Lot | Cul-de-sac |
| Porch | Slab |
|---|---|
| Porch Area | 95 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 447967000 |
|---|---|
| Street Address | 3902 ECHO RIDGE CT |
| City | MIDLOTHIAN |
| State | VA |
| Zip | 23112-4730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R9 - SINGL |
| Legal Description | ECHO RIDGE L 3 BK B SEC A |
| Legal Subdivision | ECHO RIDGE |
| Legal Block | B |
| Legal Lot Number | 3 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | CLOVER HILL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 100912 |
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 | 13530 WILLOWCREST LN, CHESTERFIELD, VA 23832-2705 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK |
| Mar 22, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK |
| Nov 6, 2018 | Deed of Trust, Mortgage CITIZENS BK |
| Jul 30, 2018 | Warranty Deed, Transfer · Conventional with PMI CITIZENS BK MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2022 · Amount on Record |
| Deed Sale | Aug 1, 2022 · Amount on Record |
| Prior Sale | Jul 30, 2018 · Amount on Record |
| Deed Document Number | 202234099 |
| Deed Book / Page | 14043 / 451 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3902 ECHO RIDGE CT, MIDLOTHIAN, VA 23112-4730 |
| Document Number | 12589221 |
| Instrument Date | Jan 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3902 ECHO RIDGE CT MIDLOTHIAN VA 231124730, MIDLOTHIAN, VA 23112-4730 |
| Document Number | 12589221 |
|---|---|
| Date | Jan 9, 2020 |
| Book Page | 012589/000221 |
| Instrument | 1040 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3902 ECHO RIDGE CT, MIDLOTHIAN, VA 23112-4730 |
| Document Number | 12253122 |
| Instrument Date | Mar 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3902 ECHO RIDGE CT MIDLOTHIAN VA 231124730, MIDLOTHIAN, VA 23112-4730 |
| Document Number | 12253122 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 012253/000122 |
| Instrument | 9608 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 3902 ECHO RIDGE CT, MIDLOTHIAN, VA 23112-4730 |
| Document Number | 12148530 |
| Instrument Date | Nov 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 12148530 |
|---|---|
| Date | Nov 7, 2018 |
| Book Page | 012148/000530 |
| Instrument | 41933 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Jul 30, 2018 |
| Property Address | 3902 ECHO RIDGE CT, MIDLOTHIAN, VA 23112-4730 |
| Document Number | 12055462 |
| Book / Page | 012055 / 000462 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 28155 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5825 CARTERSVILLE RD POWHATAN VA 231393813, POWHATAN, VA 23139-3813 |
| Document Number | 12055466 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 012055/000466 |
| Instrument | 28156 |
| Name | CITIZENS BK MTG |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable 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 | $2,484.00 (+18.74%) | $276,300 (+4.07%) Land $75,000 Building $201,300 | $276,300 (+4.07%) Land $75,000 Building $201,300 |
| 2025 | $265,500 (+16.86%) Land $75,000 Building $190,500 | $265,500 (+16.86%) Land $75,000 Building $190,500 | |
| 2023 | $2,092.00 | $227,200 Land $59,000 Building $168,200 | $227,200 Land $59,000 Building $168,200 |
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 Record median of 11 policies |
| Nearby Flood Policies | 11 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 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 206 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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