4005 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4005 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,281 sqft · built 2018
Lot Size	3.22 acres (140,263 sqft)
Owner	Individual Name on Record
Last Sale	$452,254 (Nov 2018)
Tax Bill	$450 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2018 Sale & Mortgage + 1 more
APN	`10E*3`

Property Details

APN / Parcel Number

Primary APN	`10E*3`
Alternative APN	`254000913`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,281 sqft Living Area
Fireplace	Prefabricated

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Lot Area	140,263 sqft (3.22 acres)
Garage Type	Mixed
Garage Area	929 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000913
Street Address	4005 MICHAEL DR
City	SUFFOLK
State	VA
Zip	23432-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL ESTATE
Legal Description	L.3,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	3
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2000
Census Tract	75302

Owner

Source: Suffolk City records, as of December 24, 2025

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
Co-owner	Co-owner on Record
Mailing Address	4005 MICHAEL DR, SUFFOLK, VA 23432-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage · VA Mortgage HOMESPIRE MORTGAGE CORPORATION
Nov 5, 2018	Warranty Deed, Transfer · VA Mortgage SIMONTOWNE MORTGAGE
Mar 19, 2018	Special Warranty Deed, Construction Loan · Construction Mortgage TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Mar 19, 2018 · Amount on Record
Deed Document Number	180011800
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4005 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	TITLE TOWN SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190009555
Date	Aug 30, 2019
Instrument	190009555

Lender

Name	HOMESPIRE MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Nov 5, 2018
Property Address	4005 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0180011800
Instrument Date	Nov 2, 2018
Instrument	180011800
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

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	4005 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	0180011801
Date	Nov 5, 2018
Instrument	180011801

Lender

Name	SIMONTOWNE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2018: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Mar 19, 2018
Property Address	4005 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0180002725
Instrument Date	Mar 13, 2018
Instrument	180002725
Transaction Type	Construction Loan
Record Updated	Sep 6, 2022
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
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	5000 PORTSMOUTH BLVD, CHESAPEAKE, VA 23321-1426

Mortgage

Document Number	0180002726
Date	Mar 19, 2018
Instrument	180002726

Lender

Name	TOWNEBANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Suffolk City assessment roll, as of January 1, 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			$582,200 (+4.02%) Land $115,000 Building $467,200
2025	$450.00 (-86.71%) Senior Citizen's exemption	$582,200 (+4.02%) Land $115,000 Building $467,200	$559,700 (+3.27%) Land $115,000 Building $444,700
2024	$3,387.00 (-42.66%)	$559,700 (+3.27%) Land $115,000 Building $444,700
2023	$5,907.00	$542,000 Land $115,000 Building $427,000	$542,000 Land $115,000 Building $427,000

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (1992–2009)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Nov 2009 · tidal / storm surge
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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