131 Gloucester Rd, Front Royal, VA 22630 Property Records

Warren County property record for 131 Gloucester Rd, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,592 sqft · built 1988
Lot Size	0.298 acres (12,998 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,276 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20/A1/04/67`

Property Details

APN / Parcel Number

Primary APN	`20/A1/04/67`
Alternative APN	`8118`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	5,256 sqft
1st Floor Area	1,728 sqft
Basement Area	1,382 sqft
Unfinished Basement	1,728 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,998 sqft (0.298 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	456 sqft
Deck Area	936 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8118
Old Parcel Number	20A104 67
Street Address	131 GLOUCESTER RD
City	FRONT ROYAL
State	VA
Zip	22630-3705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L67 COLONIAL PARK
Legal Subdivision	COLONIAL PARK
Jurisdiction	WARREN VA
Township / Civil Division	HAPPY CREEK
Census Block Group	2
Census Block	2028
Census Tract	20601

Owner

131 Gloucester Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	131 GLOUCESTER RD, FRONT ROYAL, VA 22630-3705
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
Mar 19, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Jan 27, 2023	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
Jul 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	131 GLOUCESTER RD, FRONT ROYAL, VA 22630-3705
Transaction Type	Mortgage
Record Updated	Apr 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 GLOUCESTER RD, RIVERTON, VA 22630-3705

Mortgage

Document Number	0260001234
Date	Mar 19, 2026
Instrument	260001234

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	FRONT ROYAL, VA 22630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	131 GLOUCESTER RD, FRONT ROYAL, VA 22630-3705
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 GLOUCESTER RD, FRONT ROYAL, VA 22630-3705

Mortgage

Document Number	0230000365
Date	Jan 27, 2023
Instrument	230000365

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	FRONT ROYAL, VA 22630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	131 GLOUCESTER RD, FRONT ROYAL, VA 22630-3705
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004101
Date	May 7, 2021
Instrument	210004101

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	RESTON, VA 20191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Jun 1, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	131 GLOUCESTER RD, FRONT ROYAL, VA 22630-3705
Transaction Type	Mortgage
Record Updated	Oct 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170003870
Date	Jul 25, 2017
Instrument	170003870

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2026 property tax bill for 131 Gloucester Rd was $3,276, 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	$3,276.00 (+18.78%)	$575,800 (-) Land $60,600 Building $515,200
2025	$2,758.00 (+20.75%)	$575,800 (+23.51%) Land $60,600 Building $515,200	$575,800 (+23.51%) Land $60,600 Building $515,200
2024	$2,284.00	$466,200 (-) Land $63,300 Building $402,900	$466,200 (-) Land $63,300 Building $402,900
2023		$466,200 Land $63,300 Building $402,900	$466,200 Land $63,300 Building $402,900
2022	$2,284.00

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

Flood

FEMA maps place 131 Gloucester Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · 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	7 in force
Nearby Flood Claims	19 (1996–2025)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 2 claims

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 131 Gloucester Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 235 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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