4034 Michael Dr, Suffolk, VA 23432 Property Records

Suffolk City property record for 4034 Michael Dr, Suffolk, VA 23432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,328 sqft · built 2020
Lot Size	7.4 acres (322,344 sqft)
Owner	Individual Name on Record
Last Sale	$495,000 (Oct 2020)
Tax Bill	$7,412 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2020 Mortgage + 2 more
APN	`10E*20`

Property Details

APN / Parcel Number

Primary APN	`10E*20`
Alternative APN	`254000930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,328 sqft Living Area

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Lot Area	322,344 sqft (7.4 acres)
Garage Type	Mixed
Garage Area	1,394 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	254000930
Street Address	4034 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.20,CIARA ESTATES
Legal Subdivision	CIARA ESTATES
Legal Lot Number	20
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 Record
Co-owner	Co-owner on Record
Mailing Address	4034 MICHAEL DR, SUFFOLK, VA 23432-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 31, 2020	Deed of Trust, Mortgage · Commercial Mortgage TOWNEBANK
Oct 2, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 3, 2019	Special Warranty Deed, Transfer · Commercial Mortgage TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2020 · Amount on Record
Deed Sale	Oct 2, 2020 · Amount on Record
Prior Sale	Sep 3, 2019 · Amount on Record
Deed Document Number	200014020
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4034 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Apr 26, 2023
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230003442
Date	Apr 10, 2023
Instrument	230003442

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4034 MICHAEL DR, SUFFOLK, VA 23432-1435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001350
Date	Jan 31, 2020
Instrument	200001350

Lender

Name	TOWNEBANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Oct 2, 2020
Property Address	4034 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	200014020
Instrument Date	Oct 1, 2020
Instrument	200014020
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	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	4034 MICHAEL DR, SUFFOLK, VA 23432-1435

Mortgage

Document Number	200014021
Date	Oct 2, 2020
Instrument	200014021

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Sep 3, 2019
Property Address	4034 MICHAEL DR, SUFFOLK, VA 23432-1435
Document Number	190009656
Instrument Date	Aug 21, 2019
Instrument	190009656
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ADVANCE TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
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	5000 PORTSMOUTH BLVD, CHESAPEAKE, VA 23321-1426

Mortgage

Document Number	190009657
Date	Sep 3, 2019
Instrument	190009657

Lender

Name	TOWNEBANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	190009658
Date	Sep 3, 2019
Instrument	190009658

Lender

Name	HG DEVELOPMENT FINANCE II LAND LLC

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			$650,700 (+4.18%) Land $165,300 Building $485,400
2025	$7,412.00 (+4.75%)	$650,700 (+4.18%) Land $165,300 Building $485,400	$624,600 (+10.92%) Land $165,300 Building $459,300
2024	$7,076.00 (+15.3%)	$624,600 (+10.92%) Land $165,300 Building $459,300
2023	$6,137.00 (+1.12%)	$563,100 (+8.12%) Land $165,300 Building $397,800	$563,100 (+8.12%) Land $165,300 Building $397,800
2022	$6,069.00	$520,800 Land $165,300 Building $355,500	$520,800 Land $165,300 Building $355,500

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

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