4007 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4007 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,640 sqft · built 2018
Lot Size	3.8 acres (165,964 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jul 2020)
Tax Bill	$6,887 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit May 2019 Mortgage + 3 more
APN	`10E*4`

Property Details

APN / Parcel Number

Primary APN	`10E*4`
Alternative APN	`254000914`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,640 sqft Living Area
Fireplace	Prefabricated

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Lot Area	165,964 sqft (3.8 acres)
Garage Type	Mixed
Garage Area	1,044 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000914
Street Address	4007 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.4,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	4
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4007 MICHAEL DR, SUFFOLK, VA 23432-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 28, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Jul 31, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Aug 28, 2018	Warranty Deed, Transfer · VA Mortgage SIMONTOWNE MORTGAGE
Mar 19, 2018	Warranty Deed, Construction Loan · Construction Mortgage TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Aug 28, 2018 · Amount on Record
Deed Document Number	200010110
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4007 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200012461
Date	Sep 9, 2020
Instrument	200012461

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4007 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190005456
Date	May 28, 2019
Instrument	190005456

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jul 31, 2020
Property Address	4007 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	200010110
Instrument Date	Jul 23, 2020
Instrument	200010110
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY

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	4007 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	200010111
Date	Jul 31, 2020
Instrument	200010111

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Aug 28, 2018
Property Address	4007 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	180009181
Instrument Date	Aug 27, 2018
Instrument	180009181
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ADVANCE TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
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	4007 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	180009182
Date	Aug 28, 2018
Instrument	180009182

Lender

Name	SIMONTOWNE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Mar 19, 2018
Property Address	4007 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	180002720
Instrument Date	Mar 13, 2018
Instrument	180002720
Transaction Type	Construction Loan
Record Updated	Oct 19, 2021
Title Company	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	180002721
Date	Mar 19, 2018
Instrument	180002721

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			$601,600 (+4.12%) Land $123,300 Building $478,300
2025	$6,887.00 (+4.75%)	$601,600 (+4.12%) Land $123,300 Building $478,300	$577,800 (+3.25%) Land $123,300 Building $454,500
2024	$6,575.00 (+7.8%)	$577,800 (+3.25%) Land $123,300 Building $454,500
2023	$6,099.00	$559,600 Land $123,300 Building $436,300	$559,600 Land $123,300 Building $436,300

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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