Chesterfield County property record for 4103 Railgate Ter, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,300 sqft · built 1980 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $124,500 (Oct 2003) |
| Tax Bill | $2,349 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11503060A00B038 |
| Primary APN | 11503060A00B038 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,300 sqft Finished Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 294238002 |
|---|---|
| Street Address | 4103 RAILGATE TER |
| City | CHESTER |
| State | VA |
| Zip | 23831-1755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R9 - SINGL |
| Legal Description | CHESTER STATION L38 BK B SEC A |
| Legal Subdivision | CHESTER STATION |
| Legal Block | B |
| Legal Lot Number | 38 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 100409 |
4103 Railgate Ter is owned and occupied by an individual who bought it in October 2003.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4103 RAILGATE TER, CHESTER, VA 23831-1755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU |
| Sep 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2003 · Amount on File |
| Deed Sale | Oct 16, 2003 · Amount on File |
| Deed Book / Page | 5432 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 4103 RAILGATE TER, CHESTER, VA 23831-1755 |
| Document Number | 12968434 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4103 RAILGATE TER CHESTER VA 238311755, CHESTER, VA 23831-1755 |
| Document Number | 12968434 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 012968/000434 |
| Instrument | 49420 |
| Name | VIRGINIA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 20, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 4103 RAILGATE TER, CHESTER, VA 23831-1755 |
| Document Number | 1177666 |
| Book / Page | 011776 / 000066 |
| Instrument Date | Sep 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2017 |
| Name | Verified Name |
|---|
| Document Number | 1177666 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 011776/000066 |
| Instrument | 40186 |
| Name | VIRGINIA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 4103 Railgate Ter was $2,349.
Source: Chesterfield County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Chesterfield County |
| Unified School District | Chesterfield County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,349.00 | $261,200 (+0.38%) Land $60,000 Building $201,200 | $261,200 (+0.38%) Land $60,000 Building $201,200 |
| 2025 | $260,200 Land $59,000 Building $201,200 | $260,200 Land $59,000 Building $201,200 | |
| 2023 | $2,074.00 | $225,200 Land $52,000 Building $173,200 | $225,200 Land $52,000 Building $173,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4103 Railgate Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 4103 Railgate Ter is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHESTERFIELD CO CENTRAL WATER SYSTEM serves 389,897 people · EPA ID VA4041845 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures