4510 Michael Thomas Ct, Chesapeake, VA 23321 Property Records

Chesapeake City property record for 4510 Michael Thomas Ct, Chesapeake, VA 23321

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,350 sqft · built 1983
Lot Size	0.356 acres (15,507 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,368 (2025)
Deeds & Mortgages	Nov 2021 Refinance Aug 2017 Mortgage
APN	`0103005000040`

Property Details

APN / Parcel Number

Primary APN	`0103005000040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,350 sqft Living Area
1st Floor Area	924 sqft
Upper Floors Area	924 sqft
Attic	Attic
Attic Area	440 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,507 sqft (0.356 acres)
Lot Dimensions	160 ft deep x 48 ft wide
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	248 sqft
Deck Area	307 sqft
Patio Area	164 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4510 MICHAEL THOMAS CT
City	CHESAPEAKE
State	VA
Zip	23321-4305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12AS: RES
Legal Description	4 SUB OF SEC 3A MIARS FARM
Legal Subdivision	MIARS FARM
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1012
Census Tract	21605

Owner

4510 Michael Thomas Ct is owned and occupied by two individuals.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4510 MICHAEL THOMAS CT, CHESAPEAKE, VA 23321-4305
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
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Aug 25, 2017	Deed of Trust, Mortgage · Commercial Mortgage TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4510 MICHAEL THOMAS CT, CHESAPEAKE, VA 23321-4305
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010473/679
Date	Nov 1, 2021
Book Page	10473/679
Instrument	210049373

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	4510 MICHAEL THOMAS CT, CHESAPEAKE, VA 23321-4305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9826/880
Date	Aug 25, 2017
Book Page	9826/880
Instrument	170023520

Lender

Name	TOWNEBANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	420 Months
Due	Aug 4, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4510 Michael Thomas Ct was $4,368.

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$437,300 (+1.11%) Land $165,000 Building $272,300	$437,300 (+1.11%) Land $165,000 Building $272,300
2025	$4,368.00	$432,500 Land $150,000 Building $282,500	$432,500 Land $150,000 Building $282,500
2023		$368,000 (+5.63%) Land $140,000 Building $228,000	$368,000 (+5.63%) Land $140,000 Building $228,000
2022		$348,400 Land $130,000 Building $218,400	$348,400 Land $130,000 Building $218,400
2019	$3,072.00

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

Flood

FEMA has no flood map on file for 4510 Michael Thomas Ct; 21 flood insurance policies are in force nearby.

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 File median of 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 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 4510 Michael Thomas Ct is low, with less than 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 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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
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 521 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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