9740 Bending Oak Dr, Midlothian, VA 23112 Property Records

Chesterfield County property record for 9740 Bending Oak Dr, Midlothian, VA 23112

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,251 sqft · built 1972
Lot Size	1.37 acres (60,069 sqft)
Owner	Individual Name on File
Last Sale	$446,000 (Sep 2023)
Tax Bill	$4,370 (2026)
Deeds & Mortgages	Apr 2022 Refinance Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09206030C00A012`

Property Details

APN / Parcel Number

Primary APN	`09206030C00A012`
Alternative APNs	`735-66-34-96-200-000` `404651001` `466249000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,251 sqft Finished Area
Basement Area	1,380 sqft
Finished Basement	455 sqft
Unfinished Basement	925 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Composition Shingle
Lot Area	60,069 sqft (1.37 acres)
Lot Width	1,378 ft Width

Exterior Amenities

Porch	Open Porch
Porch Area	10 sqft
Deck Area	500 sqft
Patio Area	836 sqft
Balcony Area	46 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Oil

Location & Zoning

Account Number	466249000
Street Address	9740 BENDING OAK DR
City	MIDLOTHIAN
State	VA
Zip	23112-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15 - SING
Legal Description	CLOVER HILL FMS L12 BK A SEC C
Legal Subdivision	CLOVER HILL FARMS
Legal Block	A
Legal Lot Number	12
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	MATOACA
Census Block Group	1
Census Block	1013
Census Tract	101013

Owner

9740 Bending Oak Dr is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308
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 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 6, 2023	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HOME LOANS
Aug 29, 2025	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MTG
May 10, 2019	Warranty Deed, Transfer · VA Mortgage PRIME MTG LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	May 10, 2019 · Amount on File
Deed Document Number	202326917
Deed Book / Page	14363 / 949
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013925-446
Date	Apr 14, 2022
Book Page	13925/446
Instrument	2022017609

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014363-954
Date	Sep 6, 2023
Book Page	14363/954
Instrument	2023026918

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308

Mortgage

Document Number	014989-810
Date	Aug 29, 2025
Book Page	14989/810
Instrument	250029503

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	362 Months
Due	Oct 1, 2055

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308
Document Number	12706771
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9740 BENDING OAK DR MIDLOTHIAN VA 231121308, MIDLOTHIAN, VA 23112-1308

Mortgage

Document Number	12706771
Date	Apr 16, 2020
Book Page	012706/000771
Instrument	16893

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	May 10, 2019
Property Address	9740 BENDING OAK DR, MIDLOTHIAN, VA 23112-1308
Document Number	12301985
Book / Page	012301 / 000985
Instrument Date	May 9, 2019
Instrument	16476
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9740 BENDING OAK DR MIDLOTHIAN VA 231121308, MIDLOTHIAN, VA 23112-1308

Mortgage

Document Number	12301989
Date	May 10, 2019
Book Page	012301/000989
Instrument	16477

Lender

Name	PRIME MTG LNDG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 9740 Bending Oak Dr was $4,370.

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	$4,370.00	$488,300 (+8.15%) Land $78,400 Building $409,900	$488,300 (+8.15%) Land $78,400 Building $409,900
2025		$451,500 Land $76,400 Building $375,100	$451,500 Land $76,400 Building $375,100
2023	$3,736.00	$407,900 Land $73,400 Building $334,500	$407,900 Land $73,400 Building $334,500

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

Flood

FEMA maps place 9740 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 9740 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

Nearby Properties on Bending Oak Dr

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