105 Files Chapel Dr, Winchester, VA 22603 Property Records

Frederick County property record for 105 Files Chapel Dr, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1998
Lot Size	5.2 acres (226,512 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,950 (Jun 2010)
Tax Bill	$1,575 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074-3-6`

Property Details

APN / Parcel Number

Primary APN	`074-3-6`
Alternative APN	`8000344`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	226,512 sqft (5.2 acres)
Terrain	Wooded
Garage Area	900 sqft
Parking Spaces	2 Parking Spaces
Deck Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8000344
Street Address	105 FILES CHAPEL DR
City	WINCHESTER
State	VA
Zip	22603-1622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	RITTER MOUNTAIN L6 S3 5.20 ACRES
Legal Subdivision	RITTER MOUNTAIN
Legal Lot Number	6
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1031
Census Tract	50300

Owner

Source: Frederick County records, as of August 18, 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	105 FILES CHAPEL DR, WINCHESTER, VA 22603-1622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2010 · Amount on Record
Deed Sale	Jun 16, 2010 · Amount on Record
Deed Book / Page	1000 / 5488
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	105 FILES CHAPEL DR, WINCHESTER, VA 22603-1622
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011087
Date	Nov 3, 2025
Instrument	250011087

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	105 FILES CHAPEL DR, WINCHESTER, VA 22603-1622
Document Number	0000015243
Instrument Date	Oct 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 FILES CHAPEL DR WINCHESTER VA 226031622, WINCHESTER, VA 22603-1622

Mortgage

Document Number	0000015243
Date	Oct 28, 2020
Instrument	15243

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 27, 2040

Tax Assessment & Valuation

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	$1,575.00 (+10.45%)	$297,100 Land $79,800 Building $217,300	$297,100 Land $79,800 Building $217,300
2025	$1,426.00

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 · 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	6 (1996–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2018 · river or lake flooding

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

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

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Files Chapel Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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