4030 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4030 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,589 sqft · built 2018
Lot Size	4.22 acres (183,823 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Dec 2018)
Tax Bill	$9,612 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jul 2021 Refinance + 3 more
APN	`10E*22`

Property Details

APN / Parcel Number

Primary APN	`10E*22`
Alternative APN	`254000932`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,589 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	183,823 sqft (4.22 acres)
Garage Type	Attached
Garage Area	591 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	254000932
Street Address	4030 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.22,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
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 October 22, 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 Record
Mailing Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Jul 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOUTHERN TRUST MORTGAGE LLC
May 5, 2022	Deed of Trust, Mortgage · Line of Credit ABNB FEDERAL CREDIT UNION
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION
Jul 13, 2018	Special Warranty Deed, Construction Loan · Construction Mortgage TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	201813297
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Recording Date	Oct 9, 2026
Property Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0000012417
Instrument Date	Sep 29, 2026
Instrument	202612417
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	0000012417,
Date	Oct 9, 2026
Instrument	202612417

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210011779
Date	Jul 2, 2021
Instrument	210011779

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006935
Date	May 5, 2022
Instrument	220006935

Lender

Name	ABNB FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	143 Months
Due	Apr 26, 2034

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Dec 17, 2018
Property Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0180013297
Instrument Date	Dec 14, 2018
Instrument	180013297
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

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	4030 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	0180013298
Date	Dec 17, 2018
Instrument	180013298

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jul 13, 2018
Property Address	4030 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0180007412
Instrument Date	Jun 25, 2018
Instrument	180007412
Transaction Type	Construction Loan
Record Updated	Sep 6, 2022
Title Company	LAND TITLE AND ABSTRACT INC, 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	0180007413
Date	Jul 13, 2018
Instrument	180007413

Lender

Name	TOWNEBANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Suffolk City assessment roll, as of December 26, 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			$856,300 (+3.38%) Land $164,900 Building $691,400
2025	$9,612.00 (+3.86%)	$856,300 (+3.38%) Land $164,900 Building $691,400	$828,300 (+3.6%) Land $164,900 Building $663,400
2024	$9,255.00 (+6.21%)	$828,300 (+3.6%) Land $164,900 Building $663,400
2023	$8,714.00	$799,500 Land $164,900 Building $634,600	$799,500 Land $164,900 Building $634,600

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	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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