4012 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4012 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,051 sqft · built 2017
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Sep 2021)
Tax Bill	$7,566 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2023 Second Mortgage + 3 more
APN	`10E*49`

Property Details

APN / Parcel Number

Primary APN	`10E*49`
Alternative APN	`254000960`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,051 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Mixed
Garage Area	1,234 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	254000960
Street Address	4012 MICHAEL DR
City	SUFFOLK
State	VA
Zip	23432-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL ESTA
Legal Description	L.49,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2002
Census Tract	75302

Owner

Source: Suffolk City records · APN 10E*49

Assessment roll updated December 26, 2025 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit LANGLEY FEDERAL CREDIT UNION
Dec 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Jun 02, 2021	Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MCGLONE MORTGAGE GROUP
Mar 31, 2017	Warranty Deed, Subdivision Related Transfer · ARM NEWPORT NEWS SHIPBUILDING EMPLOYEES

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Deed Document Number	202117014
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Recording Date	Apr 13, 2026
Property Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0000004448
Instrument Date	Jan 07, 2026
Instrument	20264448
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	0000004448,
Date	Apr 13, 2026
Instrument	20264448

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	7.49%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230013406
Date	Dec 27, 2023
Instrument	230013406

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Oct 01, 2033

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009621
Date	Jun 02, 2021
Instrument	210009621

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 20, 2051

Interest

Rate Type	Adjustable Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Sep 20, 2021
Property Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	210017014
Instrument Date	Sep 07, 2021
Instrument	210017014
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4012 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	210017015
Date	Sep 20, 2021
Instrument	210017015

Lender

Name	MCGLONE MORTGAGE GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Mar 31, 2017
Property Address	4012 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	170003547
Instrument Date	Mar 06, 2017
Instrument	170003547
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4012 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	170003548
Date	Mar 31, 2017
Instrument	170003548

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPLOYEES

Agreement

Type	ARM
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Suffolk City records · Assessment roll updated December 26, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Suffolk City
Unified School District	Suffolk City 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$665,100 (+4.2%) Land $115,000 Building $550,100
2025	$7,566.00 (+4.76%)	$665,100 (+4.2%) Land $115,000 Building $550,100	$638,300 (+3.35%) Land $115,000 Building $523,300
2024	$7,222.00 (+7.29%)	$638,300 (+3.35%) Land $115,000 Building $523,300
2023	$6,731.00	$617,600 Land $115,000 Building $502,600	$617,600 Land $115,000 Building $502,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 518000753022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 18 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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