117 Chapel Rd, Middletown, VA 22645 Property Records

Frederick County property record for 117 Chapel Rd, Middletown, VA 22645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1988
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on Record
Tax Bill	$1,906 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`83A-16C`

Property Details

APN / Parcel Number

Primary APN	`83A-16C`
Alternative APN	`8031456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
Gross Area	3,677 sqft
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft
Finished Basement	1,352 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,590 sqft (0.84 acres)
Terrain	Rolling
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	312 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8031456
Street Address	117 CHAPEL RD
City	MIDDLETOWN
State	VA
Zip	22645-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	.84 ACRE
Legal Subdivision	1
Jurisdiction	FREDERICK VA
Township / Civil Division	BACK CREEK
Census Block Group	2
Census Block	2024
Census Tract	50600

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	Individual Name on Record
Mailing Address	117 CHAPEL RD, MIDDLETOWN, VA 22645-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	117 CHAPEL RD, MIDDLETOWN, VA 22645-2161
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CHAPEL RD, MIDDLETOWN, VA 22645-2161

Mortgage

Document Number	0000002536
Date	Mar 18, 2026
Instrument	260002536

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	117 CHAPEL RD, MIDDLETOWN, VA 22645-2161
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012129
Date	Oct 3, 2022
Instrument	220012129

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

Interest

Rate Type	Fixed 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	$1,906.00 (+10.36%)	$359,700 Land $93,000 Building $266,700	$359,700 Land $93,000 Building $266,700
2025	$1,727.00

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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.04% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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