4033 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4033 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,473 sqft · built 2016
Lot Size	4.07 acres (177,289 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Dec 2025)
Tax Bill	$7,213 (2025)
Deeds & Mortgages	Feb 2022 Refinance Dec 2025 Sale & Mortgage
APN	`10E*17`

Property Details

APN / Parcel Number

Primary APN	`10E*17`
Alternative APN	`254000927`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,473 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	177,289 sqft (4.07 acres)
Garage Type	Mixed
Garage Area	1,582 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	254000927
Street Address	4033 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.17,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	17
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 January 15, 2026

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	4033 MICHAEL DR, SUFFOLK, VA 23432-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Dec 4, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Apr 1, 2016 · Amount on Record
Deed Document Number	250013789
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4033 MICHAEL DR, SUFFOLK, VA 23432-1436
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002912
Date	Feb 25, 2022
Instrument	220002912

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.25%

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Dec 4, 2025
Property Address	4033 MICHAEL DR, SUFFOLK, VA 23432-1436
Document Number	0250013789
Instrument Date	Oct 28, 2025
Instrument	250013789
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, SANDPIPER TITLE AND STLMTS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4033 MICHAEL DR, SUFFOLK, VA 23432-1436

Mortgage

Document Number	0250013790
Date	Dec 4, 2025
Instrument	250013790

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.89%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	3.89%
Max Rate At Change	7.89%
Index	1-Year CMT
Margin	3
Max Rate	10.8%

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			$632,100 (+4.67%) Land $115,400 Building $516,700
2025	$7,213.00 (+5.24%)	$632,100 (+4.67%) Land $115,400 Building $516,700	$603,900 (+13.92%) Land $115,400 Building $488,500
2024	$6,854.00 (+18.62%)	$603,900 (+13.92%) Land $115,400 Building $488,500
2023	$5,778.00	$530,100 Land $115,400 Building $414,700	$530,100 Land $115,400 Building $414,700

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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