Henrico County property record for 5408 Zoe Ct, Richmond, VA 23223
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,250 sqft · built 2012 |
| Lot Size | 0.576 acres (25,091 sqft) |
| Owner | Individual Name on File |
| Last Sale | $278,500 (Mar 2013) |
| Tax Bill | $3,664 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 815-721-3804 |
| Primary APN | 815-721-3804 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,250 sqft Living Area |
| Gross Area | 4,977 sqft |
| 1st Floor Area | 1,540 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 25,091 sqft (0.576 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 280 sqft |
| Patio Area | 1,007 sqft |
| Shed | 1 Shed |
| Shed Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5408 ZOE CT |
|---|---|
| City | RICHMOND |
| State | VA |
| Zip | 23223-5847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3C |
| Legal Description | OAKLEYS CHASE SC 2 BL A LT 39 |
| Legal Subdivision | OAKLEYS CHASE |
| Legal Lot Number | 39 |
| Jurisdiction | HENRICO VA |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 201405 |
5408 Zoe Ct is owned and occupied by an individual who bought it in March 2013.
Source: Henrico County records, as of June 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5408 ZOE CT, RICHMOND, VA 23223-5847 |
| 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.
| Date | Document |
|---|---|
| Feb 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC |
| Feb 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC |
| Nov 12, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 14, 2017 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L |
| Mar 27, 2017 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2013 · Amount on File |
| Deed Sale | Mar 4, 2013 · Amount on File |
| Prior Sale | Oct 11, 2012 · Amount on File |
| Deed Book / Page | 5106 / 402 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 5408 ZOE CT, RICHMOND, VA 23223-5847 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMNTS LLC |
| Name | Verified Name |
|---|
| Document Number | 61501128 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 6150/1128 |
| Instrument | 202100009365 |
| Name | NEW DAY FINANCIAL LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 5408 ZOE CT, RICHMOND, VA 23223-5847 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETTLEMENTS |
| Name | Verified Name |
|---|
| Document Number | 6145752 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 6145/752 |
| Instrument | 202100007829 |
| Name | NEW DAY FINANCIAL LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 5408 ZOE CT, RICHMOND, VA 23223-5847 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | DB TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 59181228 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 5918/1228 |
| Instrument | 201900036110 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 5408 ZOE CT, RICHMOND, VA 23223-5847 |
| Document Number | 56731177 |
| Book / Page | 005673 / 001177 |
| Instrument Date | Oct 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2017 |
| Name | Verified Name |
|---|
| Document Number | 56731177 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 005673/001177 |
| Instrument | 34577 |
| Name | NEW DAY FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRICO VA |
| Property Address | 5408 ZOE CT, RICHMOND, VA 23223-5847 |
| Document Number | 56022101 |
| Book / Page | 005602 / 002101 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2017 |
| Name | Verified Name |
|---|---|
| Address | 5408 ZOE CT RICHMOND VA 232235847, RICHMOND, VA 23223-5847 |
| Document Number | 56022101 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 005602/002101 |
| Name | NEW DAY FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 4, 2047 |
The 2026 property tax bill for 5408 Zoe Ct was $3,664.
Source: Henrico County assessment roll, as of June 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Henrico County |
| Unified School District | Henrico County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,664.00 | $439,000 (+8.07%) Land $58,000 Building $381,000 | $439,000 (+8.07%) Land $58,000 Building $381,000 |
| 2025 | $406,200 Land $58,000 Building $348,200 | $406,200 Land $58,000 Building $348,200 | |
| 2023 | $3,419.00 | $402,300 Land $58,000 Building $344,300 | $402,300 Land $58,000 Building $344,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5408 Zoe Ct in Zone X, an area of minimal flood risk.
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 risk around 5408 Zoe 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 97% of the US · lower than 98.4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HENRICO COUNTY WATER SYSTEM serves 330,000 people · EPA ID VA4087125 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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