16018 Harrowgate Rd, Chester, VA 23831 Property Records

Chesterfield County property record for 16018 Harrowgate Rd, Chester, VA 23831

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,508 sqft · built 1945
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2023)
Tax Bill	$2,233 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`795-63-35-28-900-000`

Property Details

APN / Parcel Number

Primary APN	`795-63-35-28-900-000`
Alternative APNs	`163010100000003` `388496001` `461333000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,508 sqft Finished Area
1st Floor Area	300 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2017
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	168 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	461333000
Street Address	16018 HARROWGATE RD
City	CHESTER
State	VA
Zip	23831-7136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7 - SINGL
Legal Description	W/SIDE STATE HY 144
Legal Subdivision	W/SIDE STATE HIGHWAY 144
Jurisdiction	CHESTERFIELD VA
Township / Civil Division	BERMUDA
Census Block Group	1
Census Block	1003
Census Tract	100507

Owner

16018 Harrowgate Rd is owned and occupied by an individual who bought it in May 2023.

Source: Chesterfield County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	16018 HARROWGATE RD, CHESTER, VA 23831-7136
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.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HM MTG
Jun 5, 2017	Grant Deed, Transfer · FHA Mortgage PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Prior Sale	Jun 5, 2017 · Amount on File
Deed Document Number	202313654
Deed Book / Page	14267 / 921
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	May 15, 2023
Property Address	16018 HARROWGATE RD, CHESTER, VA 23831-7136
Document Number	014267-921
Book / Page	14267 / 921
Instrument Date	May 11, 2023
Instrument	2023013654
Transaction Type	Transfer
Record Updated	May 31, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount 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
Investor	Possibly a Property Investor

Mortgage

Document Number	2023013655
Date	May 15, 2023
Instrument	2023013655

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	00014268-9
Date	May 15, 2023
Book Page	14268/9
Instrument	2023013670

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD VA
Property Address	16018 HARROWGATE RD, CHESTER, VA 23831-7136
Document Number	1320332
Instrument Date	Jan 19, 2021
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16018 HARROWGATE RD CHESTER VA 238317136, CHESTER, VA 23831-7136

Mortgage

Document Number	1320332
Date	Jan 25, 2021
Book Page	013203/000032
Instrument	4894

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

Interest

Rate Type	Fixed Rate
Rate	4.5%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHESTERFIELD VA
Recording Date	Jun 5, 2017
Property Address	16018 HARROWGATE RD, CHESTER, VA 23831-7136
Document Number	11642292
Book / Page	011642 / 000292
Instrument Date	Jun 1, 2017
Instrument	21893
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16018 HARROWGATE RD CHESTER VA 238317136, CHESTER, VA 23831-7136

Mortgage

Document Number	11642297
Date	Jun 5, 2017
Book Page	011642/000297
Instrument	21894

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 16018 Harrowgate Rd was $2,233.

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	$2,233.00	$248,100 (+0.81%) Land $53,000 Building $195,100	$248,100 (+0.81%) Land $53,000 Building $195,100
2025		$246,100 Land $51,000 Building $195,100	$246,100 Land $51,000 Building $195,100
2023	$1,333.00	$143,800 Land $43,000 Building $100,800	$143,800 Land $43,000 Building $100,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16018 Harrowgate Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2003.

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	5 (2003–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jul 2021 · 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

Wildfire risk around 16018 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.

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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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