103 Ridge Rd, Winchester, VA 22602 Property Records

Frederick County property record for 103 Ridge Rd, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,348 sqft · built 1987
Lot Size	0.31 acres (13,499 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Jan 2025)
Tax Bill	$1,737 (2026)
Deeds & Mortgages	Sep 2026 Reverse Mortgage Sep 2026 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54E3-C-1`

Property Details

APN / Parcel Number

Primary APN	`54E3-C-1`
Alternative APN	`8014877`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,348 sqft Living Area
Gross Area	3,697 sqft
1st Floor Area	1,348 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,499 sqft (0.31 acres)
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Deck Area	252 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	8014877
Street Address	103 RIDGE RD
City	WINCHESTER
State	VA
Zip	22602-7428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	FREDERICK HEIGHTS L1 SC
Legal Subdivision	FREDERICK HEIGHTS
Legal Lot Number	1
Jurisdiction	FREDERICK VA
Township / Civil Division	RED BUD
Census Block Group	3
Census Block	3000
Census Tract	51002

Owner

103 Ridge Rd is owned and occupied by an individual who bought it in January 2025.

Source: Frederick County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	103 RIDGE RD, WINCHESTER, VA 22602-7428
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
Sep 28, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Sep 28, 2026	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Apr 1, 2021	Warranty Deed, Transfer FREEDOM TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2025 · Amount on File
Deed Sale	Jan 28, 2025 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	2025836
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Sep 28, 2026
Property Address	103 RIDGE RD, WINCHESTER, VA 22602-7428
Document Number	0000010253
Instrument Date	Aug 26, 2026
Instrument	202610253
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SERVICES L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIDGE RD, WINCHESTER, VA 22602-7428

Mortgage

Document Number	0000010253,
Date	Sep 28, 2026
Instrument	202610253

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	989 Months
Due	Feb 15, 2109

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Sep 28, 2026
Property Address	103 RIDGE RD, WINCHESTER, VA 22602-7428
Document Number	0000010252
Instrument Date	Aug 26, 2026
Instrument	202610252
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SERVICES L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIDGE RD, WINCHESTER, VA 22602-7428

Mortgage

Document Number	0000010252,
Date	Sep 28, 2026
Instrument	202610252

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	989 Months
Due	Feb 15, 2109

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 1, 2021
Property Address	103 RIDGE RD, WINCHESTER, VA 22602-7428
Document Number	0000005532
Instrument Date	Mar 30, 2021
Instrument	210005532
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	FREEDOM TITLE GROUP LLC

Transaction

Amount	Amount 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 RIDGE RD, WINCHESTER, VA 22602-7428

Tax Assessment & Valuation

The 2026 property tax bill for 103 Ridge Rd was $1,737, 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	$1,737.00 (+10.43%)	$327,800 Land $93,000 Building $234,800	$327,800 Land $93,000 Building $234,800
2025	$1,573.00

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

Flood

FEMA maps place 103 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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	5 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 Ridge Rd is low, with a 0.01% annual chance of 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	0.01% 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.

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 273 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 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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