103 E Whitlock Ave, Winchester, VA 22601 Property Records

Winchester City property record for 103 E Whitlock Ave, Winchester, VA 22601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1960
Lot Size	0.26 acres (11,191 sqft)
Owner	Individual Name on Record
Tax Bill	$2,546 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`232-11-E-1`

Property Details

APN / Parcel Number

Primary APN	`232-11-E-1`
Alternative APNs	`1010` `893`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,191 sqft (0.26 acres)
Porch	Slab
Porch Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	893
Street Address	103 E WHITLOCK AVE
City	WINCHESTER
State	VA
Zip	22601-4428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	OVERLOOK PARK SD B-E L-1 S S 103 EAST WHITLOCK AVENUE
Legal Subdivision	OVERLOOK PARK
Legal Block	E
Legal Lot Number	1
Jurisdiction	WINCHESTER CITY VA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3012
Census Tract	301

Owner

Source: Winchester City records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	103 E WHITLOCK AVE, WINCHESTER, VA 22601-4428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Aug 16, 2022
Property Address	103 E WHITLOCK AVE, WINCHESTER, VA 22601-4428
Document Number	0220001962
Map Reference	MB 94 PG 386
Instrument Date	Aug 13, 2022
Instrument	220001962
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
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
Relationship	Tenants by the Entirety
Address	107 E WHITLOCK AVE, WINCHESTER, VA 22601-4428

Mortgage

Document Number	0220001963
Date	Aug 16, 2022
Instrument	220001963

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Winchester City assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Winchester City
Unified School District	Winchester City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,546.00	$320,200 (+11.96%) Land $75,000 Building $245,200
2025	$2,546.00 (+7.29%)		$320,200 (+11.96%) Land $75,000 Building $245,200
2023	$2,373.00 (+20.52%)	$286,000 Land $75,000 Building $211,000	$286,000 Land $75,000 Building $211,000
2022	$1,969.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	FREDERICK WATER serves 46,206 people · EPA ID VA2069250
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 503 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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