125 W 4th St, Front Royal, VA 22630 Property Records

Warren County property record for 125 W 4th St, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,200 sqft · built 1903
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Jun 2026)
Tax Bill	$2,484 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Nov 2020 Mortgage + 11 more
Flood Zone	Zone X (minimal risk)
APN	`20/A5/7/15/26/A`

Property Details

APN / Parcel Number

Primary APN	`20/A5/7/15/26/A`
Alternative APN	`10805`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,200 sqft Living Area
Gross Area	5,320 sqft
1st Floor Area	784 sqft
Basement Area	588 sqft
Unfinished Basement	588 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1979
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	6,752 sqft (0.155 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10805
Old Parcel Number	20A5 715 26A
Street Address	125 W 4TH ST
City	FRONT ROYAL
State	VA
Zip	22630-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	L26A RESUB L 24 25 26 BL 15 FR RIVERTON IMP CO LR99-4122
Legal Subdivision	RIVERTON
Jurisdiction	WARREN VA
Township / Civil Division	FORK
Census Block Group	1
Census Block	1022
Census Tract	20400

Owner

125 W 4th St is owned and occupied by an individual who bought it in June 2026.

Source: Warren County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FCU
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Jul 24, 2013	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
Jan 21, 2016	Deed of Trust, Mortgage · Line of Credit UNITED BANK
Jan 9, 2009	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Mar 21, 2014	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA
Nov 2, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUNTRUST MORTGAGE INC
Aug 18, 2005	Deed of Trust, Mortgage CITIFINANCIAL INC
Jun 1, 2005	Deed of Trust, Mortgage CITIFINANCIAL INC
May 17, 2006	Deed of Trust, Mortgage · ARM ACCREDITED HOME LENDERS INC
Jan 20, 2006	Deed of Trust, Mortgage CITIFINANCIAL INC
Jun 5, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Nov 2, 2007	Deed in Lieu of Foreclosure, Foreclosure · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Jan 9, 2018 · Amount on File
Deed Document Number	20262763
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000094
Date	Jan 9, 2018
Instrument	180000094

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200008343
Date	Nov 16, 2020
Instrument	200008343

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130004953
Date	Jul 24, 2013
Instrument	130004953

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	CHARLESTON, WV 25313

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2043

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0160000257
Date	Jan 21, 2016
Instrument	160000257

Lender

Name	UNITED BANK
Type	Bank
Address	WINCHESTER, VA 22601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 15, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0090000203
Date	Jan 9, 2009
Instrument	090000203

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140001260
Date	Mar 21, 2014
Instrument	140001260

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	FRONT ROYAL, VA 22630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 21, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070009817
Date	Nov 2, 2007
Instrument	070009817

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2037

Interest

Rate	8.25%

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050010150
Date	Aug 18, 2005
Instrument	050010150

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	FRONT ROYAL, VA 22630

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 22, 2025

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050006340
Date	Jun 1, 2005
Instrument	050006340

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	FRONT ROYAL, VA 22630

Agreement

Amount	Amount on Record
Term	181 Months
Due	Jul 15, 2020

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060005255
Date	May 17, 2006
Instrument	060005255

Lender

Name	ACCREDITED HOME LENDERS INC
Type	Subprime Lender
Address	SAN DIEGO, CA 92128

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Jun 1, 2009
Change Frequency	6 Months
Min Rate At Change	8.25%
Max Rate At Change	9.75%
Index	6-Month LIBOR
Max Rate	15.2%

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060000722
Date	Jan 20, 2006
Instrument	060000722

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	FRONT ROYAL, VA 22630

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2036

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WARREN VA
Recording Date	Jun 5, 2026
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Document Number	0000002763
Instrument Date	Jun 3, 2026
Instrument	20262763
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609

Mortgage

Document Number	0000002764,
Date	Jun 5, 2026
Instrument	20262764

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2007: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	WARREN VA
Recording Date	Nov 2, 2007
Property Address	125 W 4TH ST, FRONT ROYAL, VA 22630-2609
Document Number	070009813
Map Reference	DOC 992224601
Instrument Date	Jul 30, 2007
Instrument	070009813
Transaction Type	Foreclosure
Record Updated	Jul 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	961 N WEIGEL AVE, ELMHURST, IL 60126-1058

Mortgage

Document Number	0070009816
Date	Nov 2, 2007
Instrument	070009816

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 125 W 4th St was $2,484, up 18.8% from the year before.

Source: Warren County assessment roll, as of August 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,484.00 (+18.79%)	$436,636 (-) Land $51,600 Building $385,036
2025	$2,091.00 (-51.26%)	$436,636 (+1.78%) Land $51,600 Building $385,036	$436,636 (+1.78%) Land $51,600 Building $385,036
2024	$4,290.00	$429,000 (-) Land $46,000 Building $383,000	$429,000 (-) Land $46,000 Building $383,000
2023		$429,000 Land $46,000 Building $383,000	$429,000 Land $46,000 Building $383,000
2022	$4,290.00

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

Flood

FEMA maps place 125 W 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 3, 2008

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

Wildfire risk around 125 W 4th St is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRONT ROYAL serves 15,000 people · EPA ID VA2187406
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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