14221 Harrowgate Rd, Chester, VA 23831 Property Records

Chesterfield County property record for 14221 Harrowgate Rd, Chester, VA 23831

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,113 sqft · built 1965
Lot Size	0.396 acres (17,250 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Aug 1999)
Tax Bill	$2,652 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`792-64-27-92-900-000`

Property Details

APN / Parcel Number

Primary APN	`792-64-27-92-900-000`
Alternative APNs	`132160300000003` `439419000` `452388000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,113 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,250 sqft (0.396 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	452388000
Street Address	14221 HARROWGATE RD
City	CHESTER
State	VA
Zip	23831-6904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	LOCUST GROVE ADD L 3
Legal Subdivision	LOCUST GROVE ADD
Legal Lot Number	3
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1002
Census Tract	100508

Owner

Source: Chesterfield County records, as of June 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	14221 HARROWGATE RD, CHESTER, VA 23831-6904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 1999 · Amount on Record
Deed Sale	Aug 13, 1999 · Amount on Record
Deed Book / Page	3647 / 516
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Oct 6, 2022
Property Address	14221 HARROWGATE RD, CHESTER, VA 23831-6904
Document Number	00014106-1
Book / Page	14106 / 1
Instrument Date	Sep 26, 2022
Instrument	2022042847
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	14221 HARROWGATE RD, CHESTER, VA 23831-6904

Mortgage

Document Number	2022042848
Date	Oct 6, 2022
Instrument	2022042848

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	14221 HARROWGATE RD, CHESTER, VA 23831-6904
Document Number	12630584
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14221 HARROWGATE RD CHESTER VA 238316904, CHESTER, VA 23831-6904

Mortgage

Document Number	12630584
Date	Feb 18, 2020
Book Page	012630/000584
Instrument	7014

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	14221 HARROWGATE RD, CHESTER, VA 23831-6904
Document Number	12006335
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12006335
Date	Jun 12, 2018
Book Page	012006/000335
Instrument	21254

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Chesterfield County
Unified School District	Chesterfield County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,652.00 (+19.73%)	$295,200 (+6.49%) Land $56,700 Building $238,500	$295,200 (+6.49%) Land $56,700 Building $238,500
2025		$277,200 (+15.16%) Land $53,100 Building $224,100	$277,200 (+15.16%) Land $53,100 Building $224,100
2023	$2,215.00	$240,700 Land $51,300 Building $189,400	$240,700 Land $51,300 Building $189,400

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 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	2 in force
Nearby Flood Claims	4 (1982–2019)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2019 · other causes

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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