Frederick County property record for 118 Covington Ln, Winchester, VA 22601
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,620 sqft · built 1993 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $253,500 (Oct 2005) |
| Tax Bill | $1,590 (2026) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54L1-17 |
| Primary APN | 54L1-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 3,440 sqft |
| 1st Floor Area | 1,080 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8034516 |
|---|---|
| Street Address | 118 COVINGTON LN |
| City | WINCHESTER |
| State | VA |
| Zip | 22601-5715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | HUNTINGTON MEADOWS L17 S1 |
| Legal Subdivision | HUNTINGTON MEADOWS |
| Legal Lot Number | 17 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 51102 |
Source: Frederick County assessment roll, as of July 9, 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 File |
|---|---|
| Mailing Address | 118 COVINGTON LN, WINCHESTER, VA 22601-5715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 14, 2005 · Amount on Record |
| Deed Sale | Oct 14, 2005 · Amount on Record |
| Deed Book / Page | 500 / 24021 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | May 12, 2026 |
| Property Address | 118 COVINGTON LN, WINCHESTER, VA 22601-5715 |
| Document Number | 0000004706 |
| Instrument Date | May 7, 2026 |
| Instrument | 20264706 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 118 COVINGTON LN, WINCHESTER, VA 22601-5715 |
| Document Number | 0000004706, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 20264706 |
| Name | APPLE FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,590.00 (+10.42%) | $299,968 (-) Land $83,000 Building $216,968 | $299,968 (-) Land $83,000 Building $216,968 |
| 2025 | $1,440.00 | $299,968 Land $83,000 Building $216,968 | $299,968 Land $83,000 Building $216,968 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 11 (1978–2001) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Aug 2001 · 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.
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 | None beyond ember reach |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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