3903 Echo Ridge Ct, Midlothian, VA 23112 Property Records

Chesterfield County property record for 3903 Echo Ridge Ct, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,562 sqft · built 1986
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (Jun 2006)
Tax Bill	$2,883 (2026)
Deeds & Mortgages	Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`732-68-31-43-100-000`

Property Details

APN / Parcel Number

Primary APN	`732-68-31-43-100-000`
Alternative APN	`320777002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,562 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	12,110 sqft (0.278 acres)

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Balcony Area	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	320777002
Street Address	3903 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 6 BK B SEC A
Legal Subdivision	ECHO RIDGE
Legal Block	B
Legal Lot Number	6
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	CLOVER HILL
Census Block Group	3
Census Block	3007
Census Tract	100912

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	3903 ECHO RIDGE CT, MIDLOTHIAN, VA 23112-4730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2006 · Amount on Record
Deed Sale	Jun 23, 2006 · Amount on Record
Prior Sale	Mar 23, 1999
Deed Book / Page	7194 / 911
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	3903 ECHO RIDGE CT, MIDLOTHIAN, VA 23112-4730
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013365-309
Date	Apr 19, 2021
Book Page	13365/309
Instrument	2021025050

Lender

Name	WELLS FARGO BANK NA

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3%

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	$2,883.00 (+18.4%)	$321,200 (+4.32%) Land $75,000 Building $246,200	$321,200 (+4.32%) Land $75,000 Building $246,200
2025		$307,900 (+16.23%) Land $75,000 Building $232,900	$307,900 (+16.23%) Land $75,000 Building $232,900
2023	$2,435.00	$264,900 Land $59,000 Building $205,900	$264,900 Land $59,000 Building $205,900

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 AE, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99% 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.

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 340 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