124 Cecil Ln, Winchester, VA 22603 Property Records

Frederick County property record for 124 Cecil Ln, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,456 sqft · built 2000
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on File
Tax Bill	$2,956 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`21A-82`

Property Details

APN / Parcel Number

Primary APN	`21A-82`
Alternative APN	`8004474`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,456 sqft Living Area
Gross Area	7,248 sqft
1st Floor Area	3,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	261,360 sqft (6 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	312 sqft
Carport	Carport
Carport Area	312 sqft
Porch	Porch
Porch Area	336 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8004474
Street Address	124 CECIL LN
City	WINCHESTER
State	VA
Zip	22603-2647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	6.00 ACRES
Legal Subdivision	2
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1005
Census Tract	50200

Owner

124 Cecil Ln is owned and occupied by an individual.

Source: Frederick County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	124 CECIL LN, WINCHESTER, VA 22603-2647
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Grant Deed, Transfer · Conventional with PMI NORTHWEST FCU
Feb 10, 2017	Loan Modification, Mortgage UNITED BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 27, 2020
Property Address	124 CECIL LN, WINCHESTER, VA 22603-2647
Document Number	0000011430
Instrument Date	Aug 25, 2020
Instrument	11430
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	124 CECIL LN WINCHESTER VA 226032647, WINCHESTER, VA 22603-2647

Mortgage

Document Number	11431
Date	Aug 27, 2020
Instrument	11431

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2050

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK VA
Property Address	124 CECIL LN, WINCHESTER, VA 22603-2647
Document Number	0000002435
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CECIL LN WINCHESTER VA 226032647, WINCHESTER, VA 22603-2647

Mortgage

Document Number	0000002435
Date	Mar 9, 2017
Instrument	2435

Lender

Name	UNITED BK
Type	Bank
Address	WINCHESTER, VA 22602

Agreement

Amount	Amount on Record
Term	60 Months
Due	Mar 8, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 124 Cecil Ln was $2,956, up 10.4% from the year before.

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	$2,956.00 (+10.38%)	$557,820 Land $74,700 Building $483,120	$557,820 Land $74,700 Building $483,120
2025	$2,678.00

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

Flood

FEMA maps place 124 Cecil Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · rainfall accumulation

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

Wildfire risk around 124 Cecil Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 62% 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 23 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

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