106 Ginger St, Winchester, VA 22602 Property Records

Frederick County property record for 106 Ginger St, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,240 sqft · built 1989
Lot Size	0.18 acres (7,737 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Apr 2013)
Tax Bill	$2,127 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`55G2-67`

Property Details

APN / Parcel Number

Primary APN	`55G2-67`
Alternative APN	`8030750`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	3,896 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Finished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,737 sqft (0.18 acres)
Terrain	Rolling
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8030750
Street Address	106 GINGER ST
City	WINCHESTER
State	VA
Zip	22602-6925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	MILL RACE ESTATES L67 S2
Legal Subdivision	MILL RACE EST
Legal Lot Number	67
Jurisdiction	FREDERICK VA
Township / Civil Division	RED BUD
Census Block Group	2
Census Block	2006
Census Tract	51103

Owner

Source: Frederick County 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	2 Individual Names on Record
Mailing Address	106 GINGER ST, WINCHESTER, VA 22602-6925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG
Jun 17, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2013 · Amount on Record
Deed Sale	Apr 29, 2013 · Amount on Record
Prior Sale	Jul 15, 2009 · Amount on Record
Deed Book / Page	1300 / 4989
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	106 GINGER ST, WINCHESTER, VA 22602-6925
Document Number	0000016067
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 GINGER ST WINCHESTER VA 226026925, WINCHESTER, VA 22602-6925

Mortgage

Document Number	0000016067
Date	Nov 9, 2020
Instrument	16067

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	106 GINGER ST, WINCHESTER, VA 22602-6925
Document Number	0000006924
Instrument Date	Jun 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 GINGER ST WINCHESTER VA 226026925, WINCHESTER, VA 22602-6925

Mortgage

Document Number	0000006924
Date	Jul 10, 2017
Instrument	6924

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2047

Interest

Rate Type	Adjustable Rate

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	$2,127.00 (+10.44%)	$401,300 Land $83,000 Building $318,300	$401,300 Land $83,000 Building $318,300
2025	$1,926.00

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 238 locations within half a mile, as of December 31, 2025

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

May also be available: Glo Fiber.

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