5705 Harbour Bluff Ter, Midlothian, VA 23112 Property Records

Chesterfield County property record for 5705 Harbour Bluff Ter, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,746 sqft · built 1981
Lot Size	0.394 acres (17,163 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Dec 2020)
Tax Bill	$6,236 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`728-67-52-86-600-000`

Property Details

APN / Parcel Number

Primary APN	`728-67-52-86-600-000`
Alternative APNs	`061120200000016` `420080001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,746 sqft Finished Area
1st Floor Area	1,490 sqft
Basement Area	576 sqft
Finished Basement	1,104 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,163 sqft (0.394 acres)
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	240 sqft
Deck Area	48 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	420080001
Street Address	5705 HARBOUR BLUFF TER
City	MIDLOTHIAN
State	VA
Zip	23112-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	HARBOUR BLUFF L 16
Legal Subdivision	HARBOUR BLUFF
Legal Lot Number	16
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	CLOVER HILL
Census Block Group	3
Census Block	3006
Census Tract	101007

Owner

5705 Harbour Bluff Ter is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5705 HARBOUR BLUFF TER, MIDLOTHIAN, VA 23112-2012
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2020 · Amount on File
Deed Sale	Dec 16, 2020 · Amount on File
Prior Sale	Nov 8, 1996 · Amount on File
Deed Document Number	202069997
Deed Book / Page	13135 / 364
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Dec 16, 2020
Property Address	5705 HARBOUR BLUFF TER, MIDLOTHIAN, VA 23112-2012
Document Number	13135364
Book / Page	013135 / 000364
Instrument Date	Dec 11, 2020
Instrument	69997
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5705 HARBOUR BLUFF TER MIDLOTHIAN VA 231122012, MIDLOTHIAN, VA 23112-2012

Mortgage

Document Number	13135368
Date	Dec 16, 2020
Book Page	013135/000368
Instrument	69998

Lender

Name	C&F MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5705 Harbour Bluff Ter was $6,236.

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	$6,236.00	$697,900 (+2.36%) Land $165,000 Building $532,900	$697,900 (+2.36%) Land $165,000 Building $532,900
2025		$681,800 Land $161,000 Building $520,800	$681,800 Land $161,000 Building $520,800
2023	$5,152.00	$563,500 Land $155,000 Building $408,500	$563,500 Land $155,000 Building $408,500

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

Flood

FEMA maps place 5705 Harbour Bluff Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 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

Wildfire risk around 5705 Harbour Bluff Ter 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 95% of the US · lower than 97.5% 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20