12072 Harcum Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 12072 Harcum Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,433 sqft · built 2007
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,828 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`27034`

Property Details

APN / Parcel Number

Primary APN	`27034`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,433 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	78,408 sqft (1.8 acres)
Garage Area	700 sqft
Pool Area	384 sqft
Porch	Slab
Deck Area	380 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12072 HARCUM RD
City	GLOUCESTER
State	VA
Zip	23061-2548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	BLANDS WHARF, LOT 4
Legal Subdivision	PLAT: PB23 517
Legal Lot Number	4
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2005
Census Tract	100201

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	12072 HARCUM RD, GLOUCESTER, VA 23061-2548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12072 HARCUM RD, GLOUCESTER, VA 23061-2548
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000261
Date	Jan 21, 2020
Instrument	200000261

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Dec 1, 2044

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12072 HARCUM RD, GLOUCESTER, VA 23061-2548
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200005839
Date	Oct 20, 2020
Instrument	200005839

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed 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	$2,828.00 (+13.94%)	$485,030 (+19.94%) Land $62,600 Building $422,430	$485,030 (+19.94%) Land $62,600 Building $422,430
2025	$2,482.00 (+5.3%)	$404,380 (-) Land $50,600 Building $353,780	$404,380 (-) Land $50,600 Building $353,780
2024	$2,357.00	$404,380 (-) Land $50,600 Building $353,780	$404,380 (-) Land $50,600 Building $353,780
2023	$2,357.00 (-1%)	$404,380 (+11.92%) Land $50,600 Building $353,780	$404,380 (+11.92%) Land $50,600 Building $353,780
2022	$2,619.00	$361,310 Land $56,190 Building $305,120	$361,310 Land $56,190 Building $305,120

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 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	19 (1999–2023)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Sep 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

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 31 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

5G and 4G LTE (outdoors only)

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