11649 Harcum Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 11649 Harcum Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,340 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Nov 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`10528`

Property Details

APN / Parcel Number

Primary APN	`10528`

Exterior

Lot Area	74,052 sqft (1.7 acres)

Location & Zoning

Street Address	11649 HARCUM RD
City	GLOUCESTER
State	VA
Zip	23061-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	HARCUM PARCEL B
Legal Subdivision	PLAT: PB14 79
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	3
Census Block	3001
Census Tract	100203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11637 HARCUM RD, GLOUCESTER, VA 23061-2502
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Nov 12, 2019	Intrafamily Transfer, Transfer · Construction Mortgage CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 7, 2019
Transfer Doc	0000005196
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	11649 HARCUM RD, GLOUCESTER, VA 23061-2502
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000558
Date	Feb 20, 2024
Instrument	240000558

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Nov 12, 2019
Property Address	11649 HARCUM RD, GLOUCESTER, VA 23061-2502
Document Number	190005196
Instrument Date	Nov 7, 2019
Instrument	190005196
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	11637 HARCUM RD, GLOUCESTER, VA 23061-2502

Mortgage

Document Number	190005197
Date	Nov 12, 2019
Instrument	190005197

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,340.00 (+14.15%)	$572,820 (+20.2%) Land $62,280 Building $510,540	$572,820 (+20.2%) Land $62,280 Building $510,540
2025	$2,926.00 (+5.33%)	$476,550 (-) Land $50,280 Building $426,270	$476,550 (-) Land $50,280 Building $426,270
2024	$2,778.00	$476,550 (-) Land $50,280 Building $426,270	$476,550 (-) Land $50,280 Building $426,270
2023	$2,778.00 (+0.51%)	$476,550 (+25%) Land $50,280 Building $426,270	$476,550 (+25%) Land $50,280 Building $426,270
2022	$2,764.00	$381,250 Land $39,850 Building $341,400	$381,250 Land $39,850 Building $341,400

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

Flood

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
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	74 (1985–2022)
Claims Outside the SFHA	4 of 74
Most Recent Claim	Jul 2022 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 45 claims

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

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

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

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