5405 Standing Oak Rd, Midlothian, VA 23112 Property Records

Chesterfield County property record for 5405 Standing Oak Rd, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,146 sqft · built 1988
Lot Size	0.171 acres (7,449 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,000 (Mar 2024)
Tax Bill	$3,843 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`721-67-92-29-700-000`

Property Details

APN / Parcel Number

Primary APN	`721-67-92-29-700-000`
Alternative APNs	`061010400000017` `404240001` `473097000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,146 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	7,449 sqft (0.171 acres)
View / Lot	Cul-de-sac
Garage Area	368 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	473097000
Street Address	5405 STANDING OAK RD
City	MIDLOTHIAN
State	VA
Zip	23112-6220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9 - SINGL
Legal Description	STANDING OAK LOT 17 PHASE I
Legal Subdivision	STANDING OAK
Legal Phase	1
Legal Lot Number	17
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MATOACA
Census Block Group	1
Census Block	1007
Census Tract	101007

Owner

Source: Chesterfield County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5405 STANDING OAK RD, MIDLOTHIAN, VA 23112-6220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Mar 4, 2024	Warranty Deed, Transfer · Conventional Mortgage NFM LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2024 · Amount on Record
Deed Sale	Mar 4, 2024 · Amount on Record
Deed Document Number	20245955
Deed Book / Page	14494 / 607
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Recording Date	Jul 13, 2026
Property Address	5405 STANDING OAK RD, MIDLOTHIAN, VA 23112-6220
Document Number	0000025596
Book / Page	15312 / 602
Instrument Date	Jul 7, 2026
Instrument	202625596
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5405 STANDING OAK RD, MIDLOTHIAN, VA 23112-6220

Mortgage

Document Number	0000025596,
Date	Jul 13, 2026
Book Page	15312/602
Instrument	202625596

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Jun 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Mar 4, 2024
Property Address	5405 STANDING OAK RD, MIDLOTHIAN, VA 23112-6220
Document Number	014494-607
Book / Page	14494 / 607
Instrument Date	Feb 20, 2024
Instrument	2024005955
Transaction Type	Transfer
Record Updated	Mar 21, 2024
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	5405 STANDING OAK RD, MIDLOTHIAN, VA 23112-6220

Mortgage

Document Number	2024005956
Date	Mar 4, 2024
Instrument	2024005956

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,843.00 (+21.85%)	$429,000 (+2.75%) Land $77,000 Building $352,000	$429,000 (+2.75%) Land $77,000 Building $352,000
2025		$417,500 (+21.4%) Land $75,000 Building $342,500	$417,500 (+21.4%) Land $75,000 Building $342,500
2023	$3,154.00	$343,900 Land $70,000 Building $273,900	$343,900 Land $70,000 Building $273,900

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, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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