4631 Cool Hill Rd, Providence Forge, VA 23140 Property Records

Charles City County property record for 4631 Cool Hill Rd, Providence Forge, VA 23140

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,260 sqft · built 2000
Lot Size	11.8 acres (517,493 sqft)
Owner	2 Individual Names on File
Last Sale	$152,000 (Jan 2017)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9 24`

Property Details

APN / Parcel Number

Primary APN	`9 24`
Alternative APN	`5150`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2018
Lot Area	517,493 sqft (11.8 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5150
Street Address	4631 COOL HILL RD
City	PROVIDENCE FORGE
State	VA
Zip	23140-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	POTATO RUN DB 32-314 DB43-176 PLAT W/DEED DB 216-251
Jurisdiction	CHARLES CITY VA
Township / Civil Division	2
Census Block Group	1
Census Block	1018
Census Tract	600200

Owner

4631 Cool Hill Rd is owned by two individuals who bought it in January 2017.

Source: Charles City County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4361 COOL HILL RD, PROVIDENCE FORGE, VA 23140-2801
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 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEXERA HOLDING LLC
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jun 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Jan 6, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOVEMENT MORTGAGE LLC
Jan 11, 2017	Warranty Deed, Transfer · VA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2017 · Amount on File
Deed Sale	Jan 11, 2017 · Amount on File
Prior Sale	Feb 16, 2007 · Amount on File
Deed Document Number	201740
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES CITY VA
Property Address	4631 COOL HILL RD, PROVIDENCE FORGE, VA 23140-2803
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202500827
Date	Nov 7, 2025
Instrument	202500827

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company
Address	EMERYVILLE, CA 94608

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES CITY VA
Property Address	4631 COOL HILL RD, PROVIDENCE FORGE, VA 23140-2803
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202000566
Date	Aug 3, 2020
Instrument	202000566

Lender

Name	CITIZENS BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES CITY VA
Property Address	4631 COOL HILL RD, PROVIDENCE FORGE, VA 23140-2803
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202100683
Date	Jun 30, 2021
Instrument	202100683

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2031

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES CITY VA
Property Address	4631 COOL HILL RD, PROVIDENCE FORGE, VA 23140-2803
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TRINITY TITLE AND SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000019
Date	Jan 6, 2017
Instrument	170000019

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLES CITY VA
Recording Date	Jan 11, 2017
Property Address	4631 COOL HILL RD, PROVIDENCE FORGE, VA 23140-2803
Document Number	0170000040
Instrument Date	Jan 5, 2017
Instrument	170000040
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	TRINITY TITLE AND SETTLEMENT

Transaction

Amount	Amount 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	4359 COOL HILL RD, PRINCE GEORGE, VA 23875

Mortgage

Document Number	0170000041
Date	Jan 11, 2017
Instrument	170000041

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4631 Cool Hill Rd was $1,773.

Source: Charles City County assessment roll, as of July 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,773.00	$257,000 Land $69,600 Building $187,400	$257,000 Land $69,600 Building $187,400

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

Flood

FEMA maps place 4631 Cool Hill Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 26, 2022 · 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	1 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 4631 Cool Hill Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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