4025 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4025 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,661 sqft · built 2018
Lot Size	3.35 acres (146,362 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Jun 2023)
Tax Bill	$450 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2020 Refinance + 2 more
APN	`10E*13`

Property Details

APN / Parcel Number

Primary APN	`10E*13`
Alternative APN	`254000923`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,661 sqft Living Area

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Lot Area	146,362 sqft (3.35 acres)
Garage Type	Mixed
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000923
Street Address	4025 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.13,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	13
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2000
Census Tract	75302

Owner

4025 Michael Dr is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4025 MICHAEL DR, SUFFOLK, VA 23432-1436
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Sep 28, 2018	Warranty Deed, Transfer · Conventional Mortgage SIMONTOWNE MORTGAGE
May 7, 2018	Special Warranty Deed, Transfer · Commercial Mortgage UNION BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Prior Sale	Sep 28, 2018 · Amount on File
Deed Document Number	230006519
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jun 26, 2023
Property Address	4025 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0230006519
Instrument Date	Jun 7, 2023
Instrument	230006519
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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	4025 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	0230006520
Date	Jun 26, 2023
Instrument	230006520

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4025 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200017074
Date	Nov 25, 2020
Instrument	200017074

Lender

Name	CARDINAL FINANCIAL COMPANY LP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	353 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Sep 28, 2018
Property Address	4025 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0180010417
Instrument Date	Sep 27, 2018
Instrument	180010417
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

Transaction

Amount	Amount on Record
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	4025 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	0180010418
Date	Sep 28, 2018
Instrument	180010418

Lender

Name	SIMONTOWNE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	May 7, 2018
Property Address	4025 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0180004673
Instrument Date	May 1, 2018
Instrument	180004673
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

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

Mortgage

Document Number	0180004674
Date	May 7, 2018
Instrument	180004674

Lender

Name	UNION BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4025 Michael Dr was $450 with a senior citizen's exemption, up 14.5% from the year before.

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			$609,200 (+4.12%) Land $115,200 Building $494,000
2025	$450.00 (+14.5%) Senior Citizen's exemption	$609,200 (+4.12%) Land $115,200 Building $494,000	$585,100 Land $115,200 Building $469,900
2024	$393.00 (-93.51%) Senior Citizen's exemption	$585,100 (+5.27%) Land $115,200 Building $469,900
2023	$6,058.00 (+1.99%)	$555,800 (+9.22%) Land $115,200 Building $440,600	$555,800 (+9.22%) Land $115,200 Building $440,600
2022	$5,940.00	$508,900 Land $115,200 Building $393,700	$508,900 Land $115,200 Building $393,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 4025 Michael Dr; there have been 6 flood claims nearby since 1992.

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 File 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

Wildfire risk around 4025 Michael Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% 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

Nearby Properties on Michael Dr

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