Warren County property record for 1028 Morgan Ford Rd, Front Royal, VA 22630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1974 |
| Lot Size | 1 acres (43,734 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Mar 2022) |
| Tax Bill | $1,876 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 22/A/3/14 |
| Primary APN | 22/A/3/14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 2,604 sqft |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Finished Basement | 476 sqft |
| Unfinished Basement | 952 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,734 sqft (1 acres) |
| Terrain | Rolling |
| Deck Area | 128 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 14072 |
|---|---|
| Old Parcel Number | 22A 3 14 |
| Street Address | 1028 MORGAN FORD RD |
| City | FRONT ROYAL |
| State | VA |
| Zip | 22630-9360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | L 14 ASPEN HILL FARMS GREENFIELDS SEC |
| Legal Subdivision | SHENANDOAH-COUNTY |
| Legal Lot Number | 14 |
| Jurisdiction | WARREN VA |
| Township / Civil Division | SHENANDOAH |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 20101 |
Source: Warren County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1028 MORGAN FORD RD, FRONT ROYAL, VA 22630-9360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| Sep 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Mar 1, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage CBM MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on Record |
| Deed Sale | Mar 1, 2022 · Amount on Record |
| Deed Document Number | 20221387 |
| Prior Transfer Date | Feb 25, 2022 |
| Prior Transfer Doc | 0000001387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 1028 MORGAN FORD RD, FRONT ROYAL, VA 22630-9360 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220005570 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 220005570 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 1028 MORGAN FORD RD, FRONT ROYAL, VA 22630-9360 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220005569 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 220005569 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Mar 1, 2022 |
| Property Address | 1028 MORGAN FORD RD, FRONT ROYAL, VA 22630-9360 |
| Document Number | 0220001387 |
| Map Reference | MB 158 PG 65-67 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 220001387 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2022 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1028 MORGAN FORD RD, FRONT ROYAL, VA 22630-9360 |
| Document Number | 0220001388 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 220001388 |
| Name | CBM MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
Source: Warren County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Warren County |
| Unified School District | Warren County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,876.00 (+18.81%) | $329,800 (-) Land $58,500 Building $271,300 | |
| 2025 | $1,579.00 (+20.9%) | $329,800 (+23.66%) Land $58,500 Building $271,300 | $329,800 (+23.66%) Land $58,500 Building $271,300 |
| 2024 | $1,306.00 | $266,700 (-) Land $57,500 Building $209,200 | $266,700 (-) Land $57,500 Building $209,200 |
| 2023 | $266,700 Land $57,500 Building $209,200 | $266,700 Land $57,500 Building $209,200 | |
| 2022 | $1,306.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 7 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.
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 | 0.03% 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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