Henrico County property record for 3949 River Bluffs Pl, Richmond, VA 23223
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,016 sqft · built 1993 |
| Lot Size | 0.265 acres (11,549 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,743 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 806-736-9947 |
| Primary APN | 806-736-9947 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 2,282 sqft |
| 1st Floor Area | 1,008 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 11,549 sqft (0.265 acres) |
| Deck Area | 266 sqft |
| Patio Area | 266 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Water Source | Well |
| Account Number | RO1066001 |
|---|---|
| Street Address | 3949 RIVER BLUFFS PL |
| City | RICHMOND |
| State | VA |
| Zip | 23223-1244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3AC |
| Legal Description | 0119070000B 0013; RIVER BLUFFS BL B LT 13 7 A1 8 |
| Legal Subdivision | RIVER BLUFFS |
| Legal Lot Number | 7,13 |
| Jurisdiction | HENRICO VA |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 201001 |
3949 River Bluffs Pl is owned and occupied by an individual.
Source: Henrico County records, as of June 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3949 RIVER BLUFFS PL, RICHMOND, VA 23223-1244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Jul 18, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 3949 RIVER BLUFFS PL, RICHMOND, VA 23223-1244 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0006248180 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 6248/180 |
| Instrument | 202100040507 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 3949 RIVER BLUFFS PL, RICHMOND, VA 23223-1244 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0060482158 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 6048/2158 |
| Instrument | 202000035215 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 3949 RIVER BLUFFS PL, RICHMOND, VA 23223-1244 |
| Document Number | 58741267 |
| Instrument Date | Jul 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3949 RIVER BLUFFS PL RICHMOND VA 232231244, RICHMOND, VA 23223-1244 |
| Document Number | 58741267 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 005874/001267 |
| Instrument | 21701 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 23, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.38% |
The 2026 property tax bill for 3949 River Bluffs Pl was $2,743.
Source: Henrico County assessment roll, as of June 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Henrico County |
| Unified School District | Henrico County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,743.00 | $330,600 (+20.09%) Land $55,000 Building $275,600 | $330,600 (+20.09%) Land $55,000 Building $275,600 |
| 2025 | $275,300 Land $45,000 Building $230,300 | $275,300 Land $45,000 Building $230,300 | |
| 2023 | $2,092.00 | $246,200 Land $45,000 Building $201,200 | $246,200 Land $45,000 Building $201,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3949 River Bluffs Pl in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 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 risk around 3949 River Bluffs Pl is low, with a 0.01% annual chance of wildfire.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | HENRICO COUNTY WATER SYSTEM serves 330,000 people · EPA ID VA4087125 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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