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11862 Harcum Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 11862 Harcum Rd, Gloucester, VA 23061

Property Summary

Property TypeSingle Family Home
Lot Size2.65 acres (115,652 sqft)
Owner2 Individual Names on File
Last Sale$415,000 (Aug 2022)
Tax Bill$1,914 (2025)
Deeds & MortgagesAug 2026 Line of Credit
Aug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN44737

Property Details

APN / Parcel Number

Primary APN44737

Exterior

Lot Area115,652 sqft (2.65 acres)

Location & Zoning

Street Address11862 HARCUM RD
CityGLOUCESTER
StateVA
Zip23061-2524
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSC-1
Legal DescriptionDEEP POINT PARCEL X
Legal SubdivisionPLAT: ID 2103701
JurisdictionGLOUCESTER VA
Township / Civil DivisionPETSWORTH
Census Block Group2
Census Block2004
Census Tract100201

Owner

11862 Harcum Rd is owned and occupied by two individuals who bought it in August 2022.

Source: Gloucester County records, as of August 27, 2026

Owner of Record2 Individual Names on File
Mailing Address11862 HARCUM RD, GLOUCESTER, VA 23061-2524
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 13, 2026Deed of Trust, Mortgage · Line of Credit
NAVY FEDERAL CREDIT UNION
Aug 10, 2022Warranty Deed, Transfer · Conventional Mortgage
CMG HOME LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 10, 2022 · Amount on File
Deed SaleAug 10, 2022 · Amount on File
Deed Document Number20224422
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGLOUCESTER VA
Recording DateAug 13, 2026
Property Address11862 HARCUM RD, GLOUCESTER, VA 23061-2524
Document Number0000003687
Instrument DateJul 31, 2026
Instrument20263687
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanySERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address11862 HARCUM RD, GLOUCESTER, VA 23061-2524
InvestorPossibly a Property Investor

Mortgage

Document Number0000003687,
DateAug 13, 2026
Instrument20263687
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Term481 Months
DueSep 1, 2066
Interest
Rate7.5%
Max Rate-1%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGLOUCESTER VA
Recording DateAug 10, 2022
Property Address11862 HARCUM RD, GLOUCESTER, VA 23061-2524
Document Number0220004422
Instrument DateJun 6, 2022
Instrument220004422
Transaction TypeTransfer
Record UpdatedNov 28, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11862 HARCUM RD, GLOUCESTER, VA 23061-2524
InvestorPossibly a Property Investor

Mortgage

Document Number0220004423
DateAug 10, 2022
Instrument220004423
Lender
NameCMG HOME LOANS
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term355 Months
DueMar 1, 2052
Interest
Rate TypeFixed Rate
Rate2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 11862 Harcum Rd was $1,914, up 5.3% from the year before.

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

Property Jurisdictions

TypeName
StateVirginia
CountyGloucester County
Unified School DistrictGloucester County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,914.00 (+5.34%)$311,810 (-) Land $69,380 Building $242,430$311,810 (-) Land $69,380 Building $242,430
2024$1,817.00$311,810 (-) Land $69,380 Building $242,430$311,810 (-) Land $69,380 Building $242,430
2023$1,817.00 (+1,266.17%)$311,810 (+749.85%) Land $69,380 Building $242,430$311,810 (+749.85%) Land $69,380 Building $242,430
2022$133.00$36,690 Land $36,690$36,690 Land $36,690

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 11862 Harcum Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1999.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 29 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies29 in force
Nearby Flood Claims19 (1999–2023)
Claims Outside the SFHA1 of 19
Most Recent ClaimSep 2023 · river or lake flooding
Claims by Event
  • Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 5 claims
  • Hurricane Isabel, Sep 2003 · 11 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

Wildfire risk around 11862 Harcum Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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