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3909 Echo Ridge Pl, Midlothian, VA 23112 Property Records

Chesterfield County property record for 3909 Echo Ridge Pl, Midlothian, VA 23112 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,276 sqft · built 1986
Lot Size0.229 acres (9,975 sqft)
OwnerIndividual Name on File
Last Sale$260,000 (Aug 2021)
Tax Bill$2,629 (2026)
Deeds & MortgagesAug 2020 Mortgage
Apr 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN732-68-35-31-400-000

Property Details

APN / Parcel Number

Primary APN732-68-35-31-400-000
Alternative APN
  • 428874000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,276 sqft Finished Area
1st Floor Area132 sqft
Utility Area144 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleTraditional
Exterior MaterialWood Siding
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area9,975 sqft (0.229 acres)

Exterior Amenities

PorchSlab
Porch Area20 sqft
Deck Area141 sqft
Patio Area141 sqft
Shed1 Shed
Shed Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic

Location & Zoning

Account Number428874000
Street Address3909 ECHO RIDGE PL
CityMIDLOTHIAN
StateVA
Zip23112-4732
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionECHO RIDGE L 20 BK B SEC A
Legal SubdivisionECHO RIDGE
Legal BlockB
Legal Lot Number20
JurisdictionCHESTERFIELD VA
Township / Civil DivisionCLOVER HILL
Census Block Group3
Census Block3007
Census Tract100912

Owner

Source: Chesterfield County records · APN 732-68-35-31-400-000

Assessment roll updated June 22, 2026 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address3909 ECHO RIDGE PL, MIDLOTHIAN, VA 23112-4732
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 11, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MTG
Apr 30, 2018Warranty Deed, Transfer · VA Mortgage
SUNTRUST MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 11, 2021 · Amount on Record
Deed SaleAug 11, 2021 · Amount on Record
Prior SaleApr 30, 2018 · Amount on Record
Deed Document Number202151739
Deed Book / Page13566 / 945
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHESTERFIELD VA
Property Address3909 ECHO RIDGE PL, MIDLOTHIAN, VA 23112-4732
Document Number12969336
Instrument DateAug 11, 2020
Transaction TypeMortgage
Record UpdatedOct 06, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 ECHO RIDGE PL MIDLOTHIAN VA 231124732, MIDLOTHIAN, VA 23112-4732

Mortgage

Document Number12969336
DateSep 21, 2020
Book Page012969/000336
Instrument49524
Lender
NameFREEDOM MTG
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 20, 2050
Interest
Rate TypeFixed Rate

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESTERFIELD VA
Recording DateApr 30, 2018
Property Address3909 ECHO RIDGE PL, MIDLOTHIAN, VA 23112-4732
Document Number11963674
Book / Page011963 / 000674
Instrument DateApr 16, 2018
Instrument15163
Transaction TypeTransfer
Record UpdatedFeb 16, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$200.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 ECHO RIDGE PL MIDLOTHIAN VA 231124732, MIDLOTHIAN, VA 23112-4732

Mortgage

Document Number11963678
DateApr 30, 2018
Book Page011963/000678
Instrument15164
Lender
NameSUNTRUST MTG
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Chesterfield County records · Assessment roll updated June 22, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateVirginia
CountyChesterfield County
Unified School DistrictChesterfield County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$2,629.00 (+12.93%)$292,600 (+4.13%) Land $75,000 Building $217,600$292,600 (+4.13%) Land $75,000 Building $217,600
2025$281,000 (+11.02%) Land $75,000 Building $206,000$281,000 (+11.02%) Land $75,000 Building $206,000
2023$2,328.00$253,100 Land $59,000 Building $194,100$253,100 Land $59,000 Building $194,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Chesterfield County (51041C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510411009123, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
9 of 11 on primary residences

Wildfire

Wildfire RiskLow
above 4% of the US · above 2% of Virginia
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

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