4415 Cole Ave, Suffolk, VA 23435 Property Records

Suffolk City property record for 4415 Cole Ave, Suffolk, VA 23435

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,356 sqft · built 2021
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Dec 2020)
Tax Bill	$450 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan Sep 2021 Sale & Mortgage + 1 more
APN	`13AJAMES50`

Property Details

APN / Parcel Number

Primary APN	`13AJAMES50`
Alternative APN	`300715000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,356 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	300715000
Street Address	4415 COLE AVE
City	SUFFOLK
State	VA
Zip	23435-2456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES MEDIUM
Legal Description	L 50,JAMES ST PUGHS
Legal Subdivision	PUGHSVILLE
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	1
Census Block	1020
Census Tract	75206

Owner

Source: Suffolk City assessment roll, as of December 26, 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 File
Mailing Address	4415 COLE AVE, SUFFOLK, VA 23435-2456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Construction Mortgage TOWNEBANK
Sep 29, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage OVM FINANCIAL INC
Dec 29, 2020	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Deed Document Number	202019189
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	4415 COLE AVE, SUFFOLK, VA 23435-2456
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006068
Date	Apr 8, 2021
Instrument	210006068

Lender

Name	TOWNEBANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Sep 29, 2021
Property Address	4415 COLE AVE, SUFFOLK, VA 23435-2456
Document Number	0210017782
Instrument Date	Sep 21, 2021
Instrument	210017782
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 22, 2022
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

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	4415 COLE AVE, SUFFOLK, VA 23435-2456

Mortgage

Document Number	0210017783
Date	Sep 29, 2021
Instrument	210017783

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.13%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Dec 29, 2020
Property Address	4415 COLE AVE, SUFFOLK, VA 23435-2456
Document Number	0200019189
Instrument Date	Dec 17, 2020
Instrument	200019189
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	236 LURAY ST, CHESAPEAKE, VA 23323-3026

Tax Assessment & Valuation

Source: Suffolk City assessment roll, as of December 26, 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			$438,100 (+2.65%) Land $65,400 Building $372,700
2025	$450.00 (+14.5%) Senior Citizen's exemption	$438,100 (+2.65%) Land $65,400 Building $372,700	$426,800 (+3.77%) Land $65,400 Building $361,400
2024	$393.00 Senior Citizen's exemption	$426,800 (+3.77%) Land $65,400 Building $361,400
2023	Senior Citizen's exemption	$411,300 Land $65,400 Building $345,900	$411,300 Land $65,400 Building $345,900

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 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

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	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHESAPEAKE - WESTERN BRANCH SYS serves 32,326 people · EPA ID VA3550050
Water Source	Purchased surface water from CITY OF PORTSMOUTH
Last State Inspection	Oct 2023
Also Mapped Here	CITY OF SUFFOLK
Lead	Under 1 ppb (2022–2024) 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cox Communications.

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