Chesterfield County property record for 14818 Harrowgate Rd, Chester, VA 23831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,441 sqft · built 1950 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,950 (Nov 2002) |
| Tax Bill | $2,074 (2026) |
| Deeds & Mortgages | Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 793-63-96-56-100-000 |
| Primary APN | 793-63-96-56-100-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,441 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Porch | Patio |
|---|---|
| Porch Area | 404 sqft |
| Deck Area | 84 sqft |
| Patio Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 286074002 |
|---|---|
| Street Address | 14818 HARROWGATE RD |
| City | CHESTER |
| State | VA |
| Zip | 23831-6915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A - AGRICU |
| Legal Description | OVERSTREET PROPERTY L 3 BK B |
| Legal Subdivision | OVERSTREET PROPERTY L 3 BK B |
| Legal Block | B |
| Legal Lot Number | 3 |
| Jurisdiction | CHESTERFIELD VA |
| Township / Civil Division | BERMUDA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 100507 |
14818 Harrowgate Rd is owned and occupied by an individual who bought it in November 2002.
Source: Chesterfield County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14818 HARROWGATE RD, CHESTER, VA 23831-6915 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2002 · Amount on File |
| Deed Sale | Nov 20, 2002 · Amount on File |
| Prior Sale | Feb 16, 1999 · Amount on File |
| Deed Book / Page | 4782 / 253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTERFIELD VA |
| Property Address | 14818 HARROWGATE RD, CHESTER, VA 23831-6915 |
| Document Number | 11793569 |
| Instrument Date | Oct 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Name | Verified Name |
|---|
| Document Number | 11793569 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 011793/000569 |
| Instrument | 42736 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 14818 Harrowgate Rd was $2,074.
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 | $2,074.00 | $230,300 (+0.79%) Land $47,700 Building $182,600 | $230,300 (+0.79%) Land $47,700 Building $182,600 |
| 2025 | $228,500 Land $45,900 Building $182,600 | $228,500 Land $45,900 Building $182,600 | |
| 2023 | $1,683.00 | $182,300 Land $38,700 Building $143,600 | $182,300 Land $38,700 Building $143,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14818 Harrowgate Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 9 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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 14818 Harrowgate Rd is low, with a 0.02% 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 | 0.02% 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 156 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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