4640 Desert Rd, Suffolk, VA 23434 Property Records

Suffolk City property record for 4640 Desert Rd, Suffolk, VA 23434

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,266 sqft · built 2001
Lot Size	13.7 acres (596,772 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Apr 2026)
Tax Bill	$6,769 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2025 Sale + 2 more
APN	`79432A`

Property Details

APN / Parcel Number

Primary APN	`79432A`
Alternative APN	`053453700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,266 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	596,772 sqft (13.7 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	053453700
Street Address	4640 DESERT RD
City	SUFFOLK
State	VA
Zip	23434-7951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	L.2,BANK OF THE COMNWLTH PLAT,RT.604
Legal Subdivision	SOUTHERN SUFFOLK
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	1
Census Block	1017
Census Tract	75602

Owner

Source: Suffolk City records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4640 DESERT RD, SUFFOLK, VA 23434-7951
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage AMERICAN HOME MORTGAGE
Nov 5, 2025	Bargain and Sale Deed, Transfer TITLE QUEST/HAMPTON ROADS, TITLEQUEST OF HAMPTON ROADS
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage LOAN SIMPLE INC
Oct 17, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Nov 5, 2025 · Amount on Record
Deed Document Number	20265328
Record Updated	Sep 20, 2026

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Apr 30, 2026
Property Address	4640 DESERT RD, SUFFOLK, VA 23434-7951
Document Number	0000005328
Instrument Date	Apr 8, 2026
Instrument	20265328
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,680.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4640 DESERT RD, SUFFOLK, VA 23434-7951

Mortgage

Document Number	0000005329,
Date	Apr 30, 2026
Instrument	20265329

Lender

Name	AMERICAN HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Nov 5, 2025
Property Address	4640 DESERT RD, SUFFOLK, VA 23434-7951
Document Number	0250012553
Map Reference	CAB 1 SL 75
Instrument Date	Oct 30, 2025
Instrument	250012553
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	TITLE QUEST/HAMPTON ROADS, TITLEQUEST OF HAMPTON ROADS

Transaction

Amount	Amount Recorded
Tax	$680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 EAST GATE DR #400 # 400, 400, SUFFOLK, VA 23434
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Mar 14, 2022
Property Address	4640 DESERT RD, SUFFOLK, VA 23434-7951
Document Number	0220003873
Instrument Date	Mar 7, 2022
Instrument	220003873
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	4640 DESERT RD, SUFFOLK, VA 23434-7951

Mortgage

Document Number	0220003874
Date	Mar 14, 2022
Instrument	220003874

Lender

Name	LOAN SIMPLE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Oct 17, 2018
Property Address	4640 DESERT RD, SUFFOLK, VA 23434-7951
Document Number	180011129
Instrument Date	Oct 16, 2018
Instrument	180011129
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	4640 DESERT RD, SUFFOLK, VA 23434-7951

Mortgage

Document Number	180011130
Date	Oct 17, 2018
Instrument	180011130

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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			$590,600 (+2.36%) Land $138,500 Building $452,100
2025	$6,769.00 (+3.09%)	$590,600 (+2.36%) Land $138,500 Building $452,100	$577,000 (+2.58%) Land $125,900 Building $451,100
2024	$6,566.00 (+7.1%)	$577,000 (+2.58%) Land $125,900 Building $451,100
2023	$6,131.00	$562,500 Land $125,900 Building $436,600	$562,500 Land $125,900 Building $436,600

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2003–2009)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2009 · rainfall accumulation

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 64% of the US · above 59% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Desert Rd

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