4032 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4032 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,277 sqft · built 2019
Lot Size	6.11 acres (266,587 sqft)
Owner	Individual Name on Record
Last Sale	$621,360 (Dec 2019)
Tax Bill	$9,366 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2020 Mortgage + 2 more
APN	`10E*21`

Property Details

APN / Parcel Number

Primary APN	`10E*21`
Alternative APN	`254000931`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,277 sqft Living Area

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Lot Area	266,587 sqft (6.11 acres)
Garage Type	Attached
Garage Area	809 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000931
Street Address	4032 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.21,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	21
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4032 MICHAEL DR, SUFFOLK, VA 23432-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Dec 16, 2019	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jul 30, 2019	Special Warranty Deed, Transfer · Commercial Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Prior Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	190014232
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4032 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220012568
Date	Aug 25, 2022
Instrument	220012568

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 1, 2062

Interest

Rate Type	Adjustable Rate
Rate	5.13%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4032 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200008384
Date	Jun 30, 2020
Instrument	200008384

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Dec 16, 2019
Property Address	4032 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0190014232
Instrument Date	Dec 11, 2019
Instrument	190014232
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	4032 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	0190014233
Date	Dec 16, 2019
Instrument	190014233

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jul 30, 2019
Property Address	4032 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	0190008126
Instrument Date	Jun 25, 2019
Instrument	190008126
Transaction Type	Transfer
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	0190008127
Date	Jul 30, 2019
Instrument	190008127

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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			$833,300 (+4.45%) Land $167,600 Building $665,700
2025	$9,366.00 (+4.89%)	$833,300 (+4.45%) Land $167,600 Building $665,700	$797,800 (+3.52%) Land $167,600 Building $630,200
2024	$8,929.00 (+6.3%)	$797,800 (+3.52%) Land $167,600 Building $630,200
2023	$8,400.00	$770,700 Land $167,600 Building $603,100	$770,700 Land $167,600 Building $603,100

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 45% of the US · above 73% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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

Nearby Properties on Michael Dr

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