4009 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4009 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,734 sqft · built 2018
Lot Size	3.2 acres (139,392 sqft)
Owner	Individual Name on Record
Last Sale	$476,138 (Jul 2018)
Tax Bill	$6,675 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2020 Refinance + 3 more
APN	`10E*5`

Property Details

APN / Parcel Number

Primary APN	`10E*5`
Alternative APN	`254000915`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,734 sqft Living Area
Fireplace	Prefabricated

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Lot Area	139,392 sqft (3.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000915
Street Address	4009 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.5,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	5
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	4009 MICHAEL DR, SUFFOLK, VA 23432-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KENTWOOD MORTGGE INC
Jul 29, 2019	Deed of Trust, Mortgage · VA Mortgage TOWNEBANK MORTGAGE
Jul 30, 2018	Warranty Deed, Transfer · Conventional Mortgage SIMONTWONE MORTGAGE
Feb 20, 2018	Special Warranty Deed, Transfer · Commercial Mortgage UNION BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on Record
Deed Sale	Jul 30, 2018 · Amount on Record
Prior Sale	Feb 20, 2018 · Amount on Record
Deed Document Number	180008022
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4009 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0260001310
Date	Feb 3, 2026
Instrument	260001310

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4009 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200013793
Date	Sep 30, 2020
Instrument	200013793

Lender

Name	KENTWOOD MORTGGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4009 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	ADVANCE TITLE & ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190008033
Date	Jul 29, 2019
Instrument	190008033

Lender

Name	TOWNEBANK MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jul 30, 2018
Property Address	4009 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0180008022
Instrument Date	Jul 27, 2018
Instrument	180008022
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ADVANCE TITLE AND ABSTRACT, ADVANCE TITLE & ABSTRACT

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	4009 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	0180008023
Date	Jul 30, 2018
Instrument	180008023

Lender

Name	SIMONTWONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Feb 20, 2018
Property Address	4009 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0180001665
Instrument Date	Jan 31, 2018
Instrument	180001665
Transaction Type	Transfer
Record Updated	Sep 6, 2022
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	0180001666
Date	Feb 20, 2018
Instrument	180001666

Lender

Name	UNION BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0180001668
Date	Feb 20, 2018
Instrument	180001668

Lender

Name	HG DEVELOPMENT FINANCE II LAND LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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			$581,800 (+3.28%) Land $116,900 Building $464,900
2025	$6,675.00 (+3.97%)	$581,800 (+3.28%) Land $116,900 Building $464,900	$563,300 (+3.51%) Land $116,900 Building $446,400
2024	$6,420.00 (+8.24%)	$563,300 (+3.51%) Land $116,900 Building $446,400
2023	$5,931.00	$544,200 Land $116,900 Building $427,300	$544,200 Land $116,900 Building $427,300

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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