4407 Lake Summer Loop, Moseley, VA 23120 Property Records

Chesterfield County property record for 4407 Lake Summer Loop, Moseley, VA 23120

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,509 sqft · built 2015
Lot Size	0.317 acres (13,809 sqft)
Owner	Individual Name on File
Last Sale	$54,800 (May 2015)
Tax Bill	$6,811 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`707-68-58-07-400-000`

Property Details

APN / Parcel Number

Primary APN	`707-68-58-07-400-000`
Alternative APN	`372843001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,509 sqft Finished Area
1st Floor Area	66 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,809 sqft (0.317 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Patio
Porch Area	618 sqft
Deck Area	66 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	372843001
Street Address	4407 LAKE SUMMER LOOP
City	MOSELEY
State	VA
Zip	23120-2250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12 - SING
Legal Description	SUMMER LAKE SEC 7 002
Legal Subdivision	SUMMER LAKE
Legal Lot Number	2
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MATOACA
Census Block Group	3
Census Block	3001
Census Tract	101003

Owner

4407 Lake Summer Loop is owned and occupied by an individual who bought it in May 2015.

Source: Chesterfield County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4407 LAKE SUMMER LOOP, MOSELEY, VA 23120-2250
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC
Jun 26, 2020	Deed of Trust, Mortgage · Conventional with PMI ALCOVA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2015 · Amount on File
Deed Sale	May 11, 2015 · Amount on File
Prior Sale	Oct 17, 2014 · Amount on File
Deed Book / Page	1085 / 90285
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	4407 LAKE SUMMER LOOP, MOSELEY, VA 23120-2250
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00014053-1
Date	Aug 10, 2022
Book Page	14053/1
Instrument	2022035466

Lender

Name	CITIZENS BANK NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jul 28, 2047

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	4407 LAKE SUMMER LOOP, MOSELEY, VA 23120-2250
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013619-573
Date	Sep 9, 2021
Book Page	13619/573
Instrument	2021058367

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	4407 LAKE SUMMER LOOP, MOSELEY, VA 23120-2250
Document Number	12827162
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4407 LAKE SUMMER LOOP MOSELEY VA 231202250, MOSELEY, VA 23120-2250

Mortgage

Document Number	12827162
Date	Jul 1, 2020
Book Page	012827/000162
Instrument	31436

Lender

Name	ALCOVA MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jun 30, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4407 Lake Summer Loop was $6,811.

Source: Chesterfield County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Chesterfield County
Unified School District	Chesterfield County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,811.00	$762,500 (+2.8%) Land $125,000 Building $637,500	$762,500 (+2.8%) Land $125,000 Building $637,500
2025		$741,700 Land $115,000 Building $626,700	$741,700 Land $115,000 Building $626,700
2023	$5,940.00	$650,000 Land $100,000 Building $550,000	$650,000 Land $100,000 Building $550,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4407 Lake Summer Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 4407 Lake Summer Loop 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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