103 Osprey Dr, Lake Frederick (Front Royal), VA 22630 Property Records

Frederick County property record for 103 Osprey Dr, Lake Frederick, VA 22630

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,022 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Nov 2023)
Tax Bill	$2,720 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87B1-3-44`

Property Details

APN / Parcel Number

Primary APN	`87B1-3-44`
Alternative APN	`8044951`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,022 sqft Living Area
Gross Area	5,274 sqft
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	352 sqft

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	8044951
Street Address	103 OSPREY DR
City	LAKE FREDERICK
State	VA
Zip	22630-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	SHENANDOAH L44 P1 S3
Legal Subdivision	SHENANDOAH
Legal Phase	1
Legal Lot Number	44
Jurisdiction	FREDERICK VA
Township / Civil Division	OPEQUON
Census Block Group	2
Census Block	2020
Census Tract	50801

Owner

103 Osprey Dr is owned and occupied by an individual who bought it in November 2023.

Source: Frederick County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	103 OSPREY DR, LAKE FREDERICK, VA 22630-2007
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
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Dec 9, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2023 · Amount on File
Deed Sale	Nov 8, 2023 · Amount on File
Prior Sale	Dec 9, 2020 · Amount on File
Deed Document Number	20239891
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 8, 2023
Property Address	103 OSPREY DR, LAKE FREDERICK, VA 22630-2007
Document Number	0000009891
Instrument Date	Oct 31, 2023
Instrument	230009891
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	VESTA SETTLEMENTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OSPREY DR, LAKE FREDERICK, VA 22630-2007

Mortgage

Document Number	0000009892
Date	Nov 8, 2023
Instrument	230009892

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	298 Months
Due	Sep 14, 2048

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 9, 2020
Property Address	103 OSPREY DR, LAKE FREDERICK, VA 22630-2007
Document Number	0000017830
Instrument Date	Dec 7, 2020
Instrument	200017830
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OSPREY DR, LAKE FREDERICK, VA 22630-2007

Mortgage

Document Number	0000017831
Date	Dec 9, 2020
Instrument	200017831

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 103 Osprey Dr was $2,720, up 10.4% from the year before.

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	$2,720.00 (+10.39%)	$513,300 Land $108,000 Building $405,300	$513,300 Land $108,000 Building $405,300
2025	$2,464.00
2023	$2,295.00	$450,100 Land $92,000 Building $358,100	$450,100 Land $92,000 Building $358,100

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

Flood

FEMA maps place 103 Osprey Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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 103 Osprey Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Osprey Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures