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5515 W Bay Ct, Midlothian, VA 23112 Property Records

Chesterfield County property record for 5515 W Bay Ct, Midlothian, VA 23112

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 2,572 sqft · built 1987
Lot Size0.437 acres (19,036 sqft)
OwnerIndividual Name on Record
Last Sale$323,000 (Apr 2018)
Tax Bill$4,307 (2026)
Deeds & MortgagesFeb 2021 Refinance
Dec 2019 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN724-67-75-79-300-000

Property Details

APN / Parcel Number

Primary APN724-67-75-79-300-000
Alternative APNs
  • 061060300000012
  • 403352001

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,572 sqft Finished Area
1st Floor Area224 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleTraditional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof MaterialWood Shingle
Lot Area19,036 sqft (0.437 acres)
Garage Area556 sqft
Parking Spaces2 Parking Spaces
PorchPatio
Porch Area224 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic

Location & Zoning

Account Number403352001
Street Address5515 W BAY CT
CityMIDLOTHIAN
StateVA
Zip23112-2506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR9 - SINGL
Legal DescriptionWEST BAY L 12
Legal SubdivisionWEST BAY
Legal Lot Number12
JurisdictionCHESTERFIELD VA
Township / Civil DivisionMATOACA
Census Block Group3
Census Block3014
Census Tract101007

Owner

Source: Chesterfield County records, as of June 22, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address5515 W BAY CT, MIDLOTHIAN, VA 23112-2506
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
ALCOVA MORTGAGE LLC
Dec 5, 2019Deed of Trust, Mortgage · Conventional with PMI
ALCOVA MTG
Mar 19, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
Apr 30, 2018Warranty Deed, Transfer · Conventional with PMI
ALCOVA MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 30, 2018 · Amount on Record
Deed SaleApr 30, 2018 · Amount on Record
Deed Document Number201815215
Deed Book / Page11964 / 186
Last Transfer DateMar 1, 2019
Transfer Doc12249-150
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHESTERFIELD VA
Property Address5515 W BAY CT, MIDLOTHIAN, VA 23112-2506
Transaction TypeMortgage
Record UpdatedMar 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number13253-977
DateFeb 22, 2021
Book Page13253/977
Instrument2021011195
Lender
NameALCOVA MORTGAGE LLC
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueMar 1, 2051
Interest
Rate TypeFixed Rate
Rate2.88%

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHESTERFIELD VA
Property Address5515 W BAY CT, MIDLOTHIAN, VA 23112-2506
Document Number125541
Instrument DateDec 5, 2019
Transaction TypeMortgage
Record UpdatedJan 13, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5515 W BAY CT MIDLOTHIAN VA 231122506, MIDLOTHIAN, VA 23112-2506

Mortgage

Document Number125541
DateDec 10, 2019
Book Page012554/000001
Instrument50450
Lender
NameALCOVA MTG
TypeMortgage Company
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 9, 2049
Interest
Rate TypeFixed Rate

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCHESTERFIELD VA
Recording DateMar 19, 2019
Property Address5515 W BAY CT, MIDLOTHIAN, VA 23112-2506
Document Number12249150
Book / Page012249 / 000150
Instrument DateMar 1, 2019
Instrument9041
Transaction TypeTransfer
Record UpdatedApr 2, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5515 W BAY CT MIDLOTHIAN VA 231122506, MIDLOTHIAN, VA 23112-2506

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHESTERFIELD VA
Recording DateApr 30, 2018
Property Address5515 W BAY CT, MIDLOTHIAN, VA 23112-2506
Document Number11964186
Book / Page011964 / 000186
Instrument DateApr 13, 2018
Instrument15215
Transaction TypeTransfer
Record UpdatedFeb 16, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$323.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5515 W BAY CT MIDLOTHIAN VA 231122506, MIDLOTHIAN, VA 23112-2506

Mortgage

Document Number11964190
DateApr 30, 2018
Book Page011964/000190
Instrument15216
Lender
NameALCOVA MTG
TypeMortgage Company
Agreement
TypeConventional with PMI
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of June 22, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyChesterfield County
Unified School DistrictChesterfield County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,307.00 (+3.31%)$481,200 (+3.33%) Land $110,000 Building $371,200$481,200 (+3.33%) Land $110,000 Building $371,200
2025$4,169.00 (+12.65%)$465,700 (+15.27%) Land $105,000 Building $360,700$465,700 (+15.27%) Land $105,000 Building $360,700
2023$3,701.00$404,000 Land $98,000 Building $306,000$404,000 Land $98,000 Building $306,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Nearby Flood Policies12 in force
Nearby Flood Claims1 (2007)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 2007 · 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 RiskLow
lower than 94% of the US · lower than 96% of Virginia
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemCHESTERFIELD CO CENTRAL WATER SYSTEM
serves 389,897 people · EPA ID VA4041845
Water SourceSurface water
Last State InspectionAug 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 281 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fiber		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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