Chesterfield County property record for 12231 Harrowgate Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,165 sqft · built 1932 |
| Lot Size | 1.15 acres (50,225 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Feb 2018) |
| Tax Bill | $25 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2023 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11511030000B01A |
| Primary APN | 11511030000B01A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,165 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 50,225 sqft (1.15 acres) |
| Porch | Slab |
| Porch Area | 232 sqft |
| Storage Building | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 394264001 |
|---|---|
| Street Address | 12231 HARROWGATE RD |
| City | CHESTER |
| State | VA |
| Zip | 23831-4418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 - SINGL |
| Legal Description | PERDUE PLAN 1A&1B&4A BK B |
| Legal Subdivision | PERDUE PLAN |
| Legal Block | B |
| Legal Lot Number | 1A |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 5 |
| Census Block | 5011 |
| Census Tract | 100505 |
12231 Harrowgate Rd is owned and occupied by an individual who bought it in February 2018.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| 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.
| Date | Document |
|---|---|
| Sep 8, 2021 | Deed of Trust, Mortgage CALL FEDERAL CREDIT UNION |
| May 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Sep 20, 2023 | Deed of Trust, Mortgage · Line of Credit CALL FEDERAL CREDIT UNION |
| Jun 13, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Nov 14, 2020 | Deed of Trust, Mortgage PENNYMAC |
| Feb 12, 2018 | Warranty Deed, Transfer · VA Mortgage MCLEAN MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on File |
| Deed Sale | Feb 12, 2018 · Amount on File |
| Prior Sale | Aug 24, 2006 · Amount on File |
| Deed Document Number | 20184829 |
| Deed Book / Page | 11892 / 813 |
| Transfer Doc | 3251000362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 013616-977 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 13616/977 |
| Instrument | 2021058045 |
| Name | CALL FEDERAL CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 73 Months |
| Due | Oct 1, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 014263-270 |
|---|---|
| Date | May 9, 2023 |
| Book Page | 14263/270 |
| Instrument | 2023012914 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 014375-375 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 14375/375 |
| Instrument | 2023028453 |
| Name | CALL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 31, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0014912-56 |
|---|---|
| Date | Jun 13, 2025 |
| Book Page | 14912/56 |
| Instrument | 2025019489 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| Document Number | 13082643 |
| Instrument Date | Nov 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12231 HARROWGATE RD CHESTER VA 238314418, CHESTER, VA 23831-4418 |
| Document Number | 13082643 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 013082/000643 |
| Instrument | 63638 |
| Name | PENNYMAC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 18, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Recording Date | Feb 12, 2018 |
| Property Address | 12231 HARROWGATE RD, CHESTER, VA 23831-4418 |
| Document Number | 11892813 |
| Book / Page | 011892 / 000813 |
| Instrument Date | Feb 6, 2018 |
| Instrument | 4829 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12231 HARROWGATE RD CHESTER VA 238314418, CHESTER, VA 23831-4418 |
| Document Number | 11892817 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 011892/000817 |
| Instrument | 4830 |
| Name | MCLEAN MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 12231 Harrowgate Rd was $25.
Source: Chesterfield County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Chesterfield County |
| Unified School District | Chesterfield County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $25.00 | $206,900 (+8.15%) Land $66,900 Building $140,000 | $206,900 (+8.15%) Land $66,900 Building $140,000 |
| 2025 | $25.00 | $191,300 Land $65,900 Building $125,400 | $191,300 Land $65,900 Building $125,400 |
| 2023 | $667.00 | $175,100 Land $63,900 Building $111,200 | $175,100 Land $63,900 Building $111,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12231 Harrowgate Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
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 risk around 12231 Harrowgate 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 Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHESTERFIELD CO CENTRAL WATER SYSTEM serves 389,897 people · EPA ID VA4041845 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures