10822 Harcum Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 10822 Harcum Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,566 sqft · built 2009
Lot Size	8.15 acres (355,014 sqft)
Owner	Individual Name on File
Tax Bill	$2,259 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43221`

Property Details

APN / Parcel Number

Primary APN	`43221`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,566 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	355,014 sqft (8.15 acres)
Garage Area	576 sqft
Deck Area	786 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10822 HARCUM RD
City	GLOUCESTER
State	VA
Zip	23061-2973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC-1
Legal Description	OLIVE BRANCH, PARCEL A
Legal Subdivision	PLAT: PB25 810
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	1
Census Block	1026
Census Tract	100101

Owner

10822 Harcum Rd is owned and occupied by an individual who acquired it in October 2017.

Source: Gloucester County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10822 HARCUM RD, GLOUCESTER, VA 23061-2973
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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Oct 6, 2017	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 2, 2017
Transfer Doc	0000004808
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 10, 2026
Property Address	10822 HARCUM RD, GLOUCESTER, VA 23061-2973
Document Number	0000004233
Instrument Date	Aug 28, 2026
Instrument	20264233
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10822 HARCUM RD, GLOUCESTER, VA 23061-2973

Mortgage

Document Number	0000004233,
Date	Sep 10, 2026
Instrument	20264233

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Balloon
Initial Type	Balloon
Max Rate	-1%

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Oct 6, 2017
Property Address	10822 HARCUM RD, GLOUCESTER, VA 23061-2973
Document Number	170004808
Instrument Date	Oct 2, 2017
Instrument	170004808
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10822 HARCUM RD, GLOUCESTER, VA 23061-2973

Mortgage

Document Number	0170004809
Date	Oct 6, 2017
Instrument	170004809

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 10822 Harcum Rd was $2,259, up 10.5% from the year before.

Source: Gloucester County assessment roll, as of October 27, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Gloucester County
Unified School District	Gloucester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,259.00 (+10.46%)	$387,420 (+16.28%) Land $83,240 Building $304,180	$387,420 (+16.28%) Land $83,240 Building $304,180
2025	$2,045.00 (+5.3%)	$333,180 (-) Land $68,090 Building $265,090	$333,180 (-) Land $68,090 Building $265,090
2024	$1,942.00	$333,180 (-) Land $68,090 Building $265,090	$333,180 (-) Land $68,090 Building $265,090
2023	$1,942.00 (-1.57%)	$333,180 (+22.41%) Land $68,090 Building $265,090	$333,180 (+22.41%) Land $68,090 Building $265,090
2022	$1,973.00	$272,180 Land $72,540 Building $199,640	$272,180 Land $72,540 Building $199,640

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

Flood

FEMA maps place 10822 Harcum Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force

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 10822 Harcum Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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