9731 Bending Oak Dr, Midlothian, VA 23112 Property Records

Chesterfield County property record for 9731 Bending Oak Dr, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,052 sqft · built 1976
Lot Size	1.4 acres (61,289 sqft)
Owner	Individual Name on File
Last Sale	$418,000 (Aug 2022)
Tax Bill	$3,989 (2026)
Deeds & Mortgages	Apr 2021 Refinance Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09203020C00G001`

Property Details

APN / Parcel Number

Primary APN	`09203020C00G001`
Alternative APNs	`735-66-37-98-600-000` `390624001` `451194000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,052 sqft Finished Area
1st Floor Area	252 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	61,289 sqft (1.4 acres)
Lot Width	1,407 ft Width
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gas

Location & Zoning

Account Number	451194000
Street Address	9731 BENDING OAK DR
City	MIDLOTHIAN
State	VA
Zip	23112-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15 - SING
Legal Description	CLOVER HILL FMS L 1 BK G SEC C
Legal Subdivision	CLOVER HILL FARMS
Legal Block	G
Legal Lot Number	1
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MATOACA
Census Block Group	1
Census Block	1009
Census Tract	101013

Owner

9731 Bending Oak Dr is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	9731 BENDING OAK DR, MIDLOTHIAN, VA 23112-1309
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

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Aug 4, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 21, 2017	Warranty Deed, Transfer · VA Mortgage VILLAGE BK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Aug 21, 2017 · Amount on File
Deed Document Number	202234817
Deed Book / Page	14048 / 582
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	9731 BENDING OAK DR, MIDLOTHIAN, VA 23112-1309
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013386-647
Date	Apr 28, 2021
Book Page	13386/647
Instrument	2021027748

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	317 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Aug 4, 2022
Property Address	9731 BENDING OAK DR, MIDLOTHIAN, VA 23112-1309
Document Number	014048-582
Book / Page	14048 / 582
Instrument Date	Jul 27, 2022
Instrument	2022034817
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	9731 BENDING OAK DR, MIDLOTHIAN, VA 23112-1309

Mortgage

Document Number	2022034818
Date	Aug 4, 2022
Instrument	2022034818

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Aug 21, 2017
Property Address	9731 BENDING OAK DR, MIDLOTHIAN, VA 23112-1309
Document Number	11726867
Book / Page	011726 / 000867
Instrument Date	Aug 7, 2017
Instrument	33371
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9731 BENDING OAK DR MIDLOTHIAN VA 231121309, MIDLOTHIAN, VA 23112-1309

Mortgage

Document Number	11726871
Date	Aug 21, 2017
Book Page	011726/000871
Instrument	33372

Lender

Name	VILLAGE BK MTG
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 9731 Bending Oak Dr was $3,989.

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	$3,989.00	$445,400 (+8.05%) Land $78,700 Building $366,700	$445,400 (+8.05%) Land $78,700 Building $366,700
2025		$412,200 Land $76,700 Building $335,500	$412,200 Land $76,700 Building $335,500
2023	$3,412.00	$372,300 Land $73,700 Building $298,600	$372,300 Land $73,700 Building $298,600

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

Flood

FEMA maps place 9731 Bending Oak Dr 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

Wildfire risk around 9731 Bending Oak Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 77 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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