Winchester City property record for 103 E Germain St, Winchester, VA 22601 · Last verified August 2026
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 2002 |
| Square Footage | 1,068 sqft Living Area |
| Lot Size | 2,344 sqft (0.054 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $149,900 (2018) |
| Tax Bill | $1,383.00 (2026) |
| Primary APN | 213-10-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,068 sqft Living Area |
| 1st Floor | 1,040 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Multifamily Style |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 2,344 sqft (0.054 acres) |
| Depth X Width | 75.6 ft x 31 ft Depth x Width |
| Balcony Area | 28 sqft Balcony |
|---|---|
| Deck Area | 80 sqft Deck |
| Porch Area | 24 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 5127 |
|---|---|
| Street Address | 103 E GERMAIN ST |
| City | WINCHESTER |
| State | VA |
| Zip | 22601-4629 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | S S 103 EAST GERMAIN STREET |
| Legal Subdivision | FINAL PLAT OF THE SCHROTH GLAIZE |
| Jurisdiction | WINCHESTER CITY VA |
| Minor Civil Division | WINCHESTER |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 301 |
Source: Winchester City records · APN 213-10-4
Assessment roll updated June 18, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 12, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jul 22, 2005 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA |
| Aug 01, 2018 | Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC |
| Nov 30, 2010 | Gift Deed, Transfer · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 01, 2018 · Amount on Record |
| Deed Sale | Aug 01, 2018 · Amount on Record |
| Prior Sale | Nov 30, 2010 |
| Deed Doc Number | 20181657 |
| Prior Transfer Date | Nov 10, 2010 |
| Prior Transfer Doc | 0000002773 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0190002642 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 190002642 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210003998 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 210003998 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Document Number | 0230000988 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 230000988 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0050003387 |
|---|---|
| Date | Jul 22, 2005 |
| Instrument | 050003387 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Type Change Date | Oct 01, 2008 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Deed |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Recording Date | Aug 01, 2018 |
| Property Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Document Number | 0180001657 |
| Map Reference | DD 216 PG 356 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 180001657 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Document Number | 0180001658 |
|---|---|
| Date | Aug 01, 2018 |
| Instrument | 180001658 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2048 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Recording Date | Nov 30, 2010 |
| Property Address | 103 E GERMAIN ST, WINCHESTER, VA 22601-4629 |
| Document Number | 0100002773 |
| Instrument Date | Nov 10, 2010 |
| Instrument | 100002773 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 18145 SANDS RD, PURCELLVILLE, VA 20132-4012 |
| Investor | Possibly a Property Investor |
| Document Number | 0100002774 |
|---|---|
| Date | Nov 30, 2010 |
| Instrument | 100002774 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2040 |
Source: Winchester City records · Assessment roll updated June 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Winchester City |
| Unified School District | Winchester City Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,383.00 | $173,900 (+14.71%) Land $20,000 Building $153,900 | |
| 2025 | $1,383.00 (+9.94%) | $173,900 (+14.71%) Land $20,000 Building $153,900 | |
| 2023 | $1,258.00 (-1.87%) | $151,600 Land $20,000 Building $131,600 | $151,600 Land $20,000 Building $131,600 |
| 2022 | $1,282.00 |
Source: FEMA National Flood Hazard Layer, County delivery 51069C updated February 3, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release
| Historic District | Within the Winchester Historic District (Boundary Increase III) listed 2016 · 390 contributing resources · NRIS 15000963 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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