10020 Wintercrest Dr, Ashland, VA 23005 Property Records

Hanover County property record for 10020 Wintercrest Dr, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,131 sqft · built 2003
Lot Size	1.96 acres (85,639 sqft)
Owner	Individual Name on File
Last Sale	$682,500 (Feb 2006)
Tax Bill	$7,262 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7789-99-4506`

Property Details

APN / Parcel Number

Primary APN	`7789-99-4506`
Alternative APN	`10187135`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,131 sqft Living Area
Gross Area	4,784 sqft
1st Floor Area	1,016 sqft
2nd Floor Area	2,562 sqft
Attic	Attic
Attic Area	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	85,639 sqft (1.96 acres)
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Patio
Porch Area	77 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	10187135
Street Address	10020 WINTERCREST DR
City	ASHLAND
State	VA
Zip	23005-7455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	WINTERCREST LOT 6
Legal Subdivision	WINTERCREST
Legal Lot Number	6
Jurisdiction	HANOVER VA
Township / Civil Division	BEAVERDAM
Census Block Group	2
Census Block	2019
Census Tract	320701

Owner

10020 Wintercrest Dr is owned and occupied by an individual who bought it in February 2006.

Source: Hanover County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	10020 WINTERCREST DR, ASHLAND, VA 23005-7455
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
Dec 15, 2021	Deed of Trust, Mortgage · Line of Credit ESSEX BANK
May 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST-CITIZENS BANK & TRUST COMPANY
Jan 29, 2019	Deed of Trust, Mortgage · Commercial Mortgage ESSEX BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2006 · Amount on File
Deed Sale	Feb 15, 2006 · Amount on File
Prior Sale	Nov 25, 2003 · Amount on File
Deed Book / Page	2662 / 529
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	10020 WINTERCREST DR, ASHLAND, VA 23005-7455
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003339495
Date	Dec 15, 2021
Book Page	3339/495
Instrument	20211215000258810

Lender

Name	ESSEX BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	10020 WINTERCREST DR, ASHLAND, VA 23005-7455
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033111850
Date	May 17, 2021
Book Page	3311/1850
Instrument	20210517000109360

Lender

Name	FIRST-CITIZENS BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	10020 WINTERCREST DR, ASHLAND, VA 23005-7455
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032161447
Date	Jan 29, 2019
Book Page	3216/1447
Instrument	20190129000009720

Lender

Name	ESSEX BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10020 Wintercrest Dr was $7,262.

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,262.00	$896,600 Land $146,600 Building $750,000	$896,600 Land $146,600 Building $750,000

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

Flood

FEMA maps place 10020 Wintercrest Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 10020 Wintercrest Dr 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	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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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