12259 Harcum Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 12259 Harcum Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,191 sqft · built 1997
Lot Size	2.33 acres (101,495 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,346 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`32663`

Property Details

APN / Parcel Number

Primary APN	`32663`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,191 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	101,495 sqft (2.33 acres)
Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Deck Area	780 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12259 HARCUM RD
City	GLOUCESTER
State	VA
Zip	23061-2549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	LAUREL BEND LOT 18 PIANKATANK RIVER
Legal Subdivision	PLAT: PB22 256
Legal Lot Number	18
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	12259 HARCUM RD, GLOUCESTER, VA 23061-2549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Apr 27, 2023
Property Address	12259 HARCUM RD, GLOUCESTER, VA 23061-2549
Document Number	0230001576
Instrument Date	Apr 21, 2023
Instrument	230001576
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12259 HARCUM RD, GLOUCESTER, VA 23061-2549

Mortgage

Document Number	0230001577
Date	Apr 27, 2023
Instrument	230001577

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

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	$3,346.00 (+20.19%)	$574,000 (+26.55%) Land $79,560 Building $494,440	$574,000 (+26.55%) Land $79,560 Building $494,440
2025	$2,784.00 (+5.3%)	$453,560 (-) Land $66,220 Building $387,340	$453,560 (-) Land $66,220 Building $387,340
2024	$2,644.00	$453,560 (-) Land $66,220 Building $387,340	$453,560 (-) Land $66,220 Building $387,340
2023	$2,644.00	$453,560 Land $66,220 Building $387,340	$453,560 Land $66,220 Building $387,340

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Breezeline.

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