4028 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4028 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,278 sqft · built 2019
Lot Size	3.3 acres (144,184 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Aug 2019)
Tax Bill	$8,170 (2025)
Deeds & Mortgages	Jan 2021 Refinance Mar 2022 Second Mortgage + 2 more
APN	`10E*23`

Property Details

APN / Parcel Number

Primary APN	`10E*23`
Alternative APN	`254000933`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,278 sqft Living Area
Fireplace	Prefabricated

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Lot Area	144,184 sqft (3.3 acres)
Garage Type	Mixed
Garage Area	862 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000933
Street Address	4028 MICHAEL DR
City	SUFFOLK
State	VA
Zip	23432-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL ESTATE
Legal Description	L.23,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	23
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 File
Co-owner	Co-owner on File
Mailing Address	4028 MICHAEL DR, SUFFOLK, VA 23432-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE LLC
Mar 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHERN BANK AND TRUST COMPANY
Aug 5, 2019	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jan 11, 2019	Special Warranty Deed, Construction Loan · Construction Mortgage TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2019 · Amount on File
Deed Sale	Aug 5, 2019 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Document Number	190008407
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4028 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001640
Date	Jan 29, 2021
Instrument	210001640

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4028 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220003156
Date	Mar 2, 2022
Instrument	220003156

Lender

Name	SOUTHERN BANK AND TRUST COMPANY

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Aug 5, 2019
Property Address	4028 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0190008407
Instrument Date	Aug 2, 2019
Instrument	190008407
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	4028 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	0190008408
Date	Aug 5, 2019
Instrument	190008408

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2019: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jan 11, 2019
Property Address	4028 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0190000363
Instrument Date	Dec 28, 2018
Instrument	190000363
Transaction Type	Construction Loan
Record Updated	Sep 6, 2022
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

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	0190000364
Date	Jan 11, 2019
Instrument	190000364

Lender

Name	TOWNEBANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

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			$721,500 (+5.07%) Land $162,100 Building $559,400
2025	$8,170.00 (+5.56%)	$721,500 (+5.07%) Land $162,100 Building $559,400	$686,700 (+6.28%) Land $162,100 Building $524,600
2024	$7,740.00 (+9.91%)	$686,700 (+6.28%) Land $162,100 Building $524,600
2023	$7,042.00	$646,100 Land $162,100 Building $484,000	$646,100 Land $162,100 Building $484,000

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 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

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	0.05% 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 16 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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