109 E Main St, Front Royal, VA 22630 Property Records

Warren County property record for 109 E Main St, Front Royal, VA 22630

Property Summary

Property Type	Office Building
Details	1 ba · 2,728 sqft · built 1905
Lot Size	0.035 acres (1,542 sqft)
Owner	Individual Name on File
Tax Bill	$1,746 (2026)
Deeds & Mortgages	Oct 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20A7-4-27`

Property Details

APN / Parcel Number

Primary APN	`20A7-4-27`
Alternative APN	`11778`

Interior

Full Baths	1 Bath
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,728 sqft Gross Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	1,542 sqft (0.035 acres)
Lot Dimensions	70 ft deep x 22 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11778
Street Address	109 E MAIN ST
City	FRONT ROYAL
State	VA
Zip	22630-3301
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C2
Legal Description	L 27 MAIN ST TROUT
Legal Subdivision	DOWNTOWN BUSINESS DISTRICT
Legal Lot Number	27
Jurisdiction	WARREN VA
Township / Civil Division	SOUTH RIVER
Census Block Group	3
Census Block	3049
Census Tract	20500

Owner

Source: Warren County records · APN 20A7-4-27

Assessment roll updated April 20, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4732 BROWNTOWN RD, FRONT ROYAL, VA 22630-7820
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	109 E MAIN ST, FRONT ROYAL, VA 22630-3301
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190005239
Date	Oct 04, 2019
Instrument	190005239

Lender

Name	THE TOWN OF FRONT ROYAL
Type	Government Agency
Address	FRONT ROYAL, VA 22630

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Warren County records · Assessment roll updated April 20, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Warren County
Municipality	Front Royal Town
Unified School District	Warren County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,746.00 (+18.86%)	$306,800 (-) Land $50,700 Building $256,100
2025	$1,469.00 (+27.85%)	$306,800 (+30.78%) Land $50,700 Building $256,100	$306,800 (+30.78%) Land $50,700 Building $256,100
2024	$1,149.00	$234,600 (-) Land $35,000 Building $199,600	$234,600 (-) Land $35,000 Building $199,600
2023		$234,600 Land $35,000 Building $199,600	$234,600 Land $35,000 Building $199,600
2022	$1,149.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 3, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	42 (1985–2025)
Claims Outside the SFHA	4 of 42
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 5 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Brightspeed Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 329 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF FRONT ROYAL serves 15,000 people
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.