Chesterfield County closing costs

Transfer tax in Chesterfield County

Virginia's transfer tax is the STATE grantor tax (Va. Code §58.1-802): $0.50 per $500 of value = $1.00/$1,000 = 0.001 of price, paid by the GRANTOR (seller); grantor and grantee may agree to shift it. Revenue is split 50/50 between the state treasury and the locality, but the RATE is uniform statewide — Chesterfield does NOT levy a separate county transfer/excise tax on top, so county_transfer_tax_rate = null. Separately, the buyer pays the state recordation tax (§58.1-801) of $0.25 per $100 = 0.0025 of price on the deed, plus a local recordation tax equal to 1/3 of the state rate (§58.1-814) — these are recordation taxes on the instrument, not a seller transfer tax. The Northern Virginia regional grantor fees (WMATA §58.1-802.3, congestion relief §58.1-802.4) and the Hampton Roads regional fee (§58.1-802.5) do NOT apply to Chesterfield — it is in the Richmond metro area, not NVTA and not a Hampton Roads transportation district. No municipal/city transfer tax. Clerk of Circuit Court: Amanda L. Pohl.

Recording fees in Chesterfield County

Deed recording fees are set statewide by Va. Code §17.1-275 (uniform across all VA circuit courts, including Chesterfield). Typical deed-in-deed-book base fee is about $26 (breakdown $14.50 clerk + $3.50 Library of Virginia recording/indexing + $5.00 + $3.00) plus $0.50 per page (§17.1-275(A)(8)) and a $5.00 Technology Trust Fund fee per recording. Copies $0.50/page; certified copy +$2.00. Land Records/Deed Recording division: 804-748-1246, CCCLandRecords@chesterfield.gov. Use the VA Supreme Court deed-calculation tool (select Chesterfield Circuit Court) for an exact per-document figure. Official Circuit Court Fee Schedule: https://www.vacourts.gov/static/courts/circuit/resources/manuals/appendixc.pdf

Official recorder: Chesterfield County recorder ↗ — the authoritative source for the current recording fee schedule.

What lenders actually charge in Chesterfield County

Across 4,861 home-purchase mortgages originated in Chesterfield County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,100, of which about $3,551 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.

Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 51041, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.