4031 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4031 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,688 sqft · built 2016
Lot Size	3.7 acres (161,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Aug 2021)
Tax Bill	$7,231 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2018 Second Mortgage + 3 more
APN	`10E*16`

Property Details

APN / Parcel Number

Primary APN	`10E*16`
Alternative APN	`254000926`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,688 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	161,172 sqft (3.7 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	254000926
Street Address	4031 MICHAEL DR
City	SUFFOLK
State	VA
Zip	23432-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL ESTA
Legal Description	L.16,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 March 30, 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	4031 MICHAEL DR, SUFFOLK, VA 23432-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2025	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Apr 11, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES SENATE FEDERAL CREDIT UNIO
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 9, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	202114779
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4031 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	UNKNOWN, RW TOWNE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4031 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	0250009594
Date	Aug 28, 2025
Instrument	250009594

Lender

Name	TOWNEBANK
Type	Bank
Address	SUFFOLK, VA 23435

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4031 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180003602
Date	Apr 11, 2018
Instrument	180003602

Lender

Name	UNITED STATES SENATE FEDERAL CREDIT UNIO

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 11, 2033

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Aug 16, 2021
Property Address	4031 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	210014779
Instrument Date	Aug 11, 2021
Instrument	210014779
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	BRIDGE TRUST TITLE

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	4031 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	210014780
Date	Aug 16, 2021
Instrument	210014780

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Aug 31, 2020
Property Address	4031 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	200011984
Instrument Date	Aug 25, 2020
Instrument	200011984
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	TITLE ALLIANCE GREENBRIER

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	4031 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	200011985
Date	Aug 31, 2020
Instrument	200011985

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Oct 9, 2018
Property Address	4031 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	180010742
Instrument Date	Oct 4, 2018
Instrument	180010742
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY

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	4031 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	180010743
Date	Oct 9, 2018
Instrument	180010743

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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			$633,800 (+4.45%) Land $115,200 Building $518,600
2025	$7,231.00 (+5.03%)	$633,800 (+4.45%) Land $115,200 Building $518,600	$606,800 (+3.46%) Land $115,200 Building $491,600
2024	$6,885.00 (+7.71%)	$606,800 (+3.46%) Land $115,200 Building $491,600
2023	$6,392.00	$586,500 Land $115,200 Building $471,300	$586,500 Land $115,200 Building $471,300

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	Moderate above 44% of the US · above 71% of Virginia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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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