102 Ratification Ct, Winchester, VA 22602 Property Records

Frederick County property record for 102 Ratification Ct, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,810 sqft · built 2022
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Sep 2024)
Tax Bill	$2,322 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64I1-5-64`

Property Details

APN / Parcel Number

Primary APN	`64I1-5-64`
Alternative APN	`8052439`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
Gross Area	3,168 sqft
1st Floor Area	770 sqft
Basement Area	306 sqft
Finished Basement	306 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2025
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8052439
Street Address	102 RATIFICATION CT
City	WINCHESTER
State	VA
Zip	22602-6311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	FREEDOM MANOR L64 S5
Legal Subdivision	FREEDOM MANOR
Legal Lot Number	64
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	1
Census Block	1013
Census Tract	50900

Owner

Source: Frederick County records, as of October 13, 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	102 RATIFICATION CT, WINCHESTER, VA 22602-6311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 4, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING
Jul 1, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2024 · Amount on Record
Deed Sale	Sep 17, 2024 · Amount on Record
Prior Sale	Jul 9, 2024 · Amount on Record
Deed Document Number	20248398
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	102 RATIFICATION CT, WINCHESTER, VA 22602-6311
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 RATIFICATION CT, WINCHESTER, VA 22602-6311

Mortgage

Document Number	0000013006
Date	Dec 29, 2025
Instrument	250013006

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Aug 4, 2026
Property Address	102 RATIFICATION CT, WINCHESTER, VA 22602-6311
Document Number	0000008103
Instrument Date	Jan 5, 2026
Instrument	20268103
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 RATIFICATION CT, WINCHESTER, VA 22602-6311

Mortgage

Document Number	0000008103,
Date	Aug 4, 2026
Instrument	20268103

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate	5.75%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 1, 2021
Property Address	102 RATIFICATION CT, WINCHESTER, VA 22602-6311
Document Number	0000011128
Instrument Date	Jun 29, 2021
Instrument	210011128
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 GAITHER RD STE 600, 600, ROCKVILLE, MD 20850-4018
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,322.00 (+10.41%)	$438,100 (-) Land $113,000 Building $325,100	$438,100 (-) Land $113,000 Building $325,100
2025	$2,103.00	$438,100 Land $113,000 Building $325,100	$438,100 Land $113,000 Building $325,100

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 February 3, 2023 · 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	1 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · Flooding, High Winds, And Wind Driven Rain

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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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