Winchester City property record for 1312 Commerce St, Winchester, VA 22601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1976 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,015 (2026) |
| Deeds & Mortgages | Aug 2018 Mortgage Nov 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 233-2A-C-4 |
| Primary APN | 233-2A-C-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,998 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Terrain | Rolling |
| Patio Area | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4136 |
|---|---|
| Street Address | 1312 COMMERCE ST |
| City | WINCHESTER |
| State | VA |
| Zip | 22601-4410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR |
| Legal Description | OVERLOOK PARK SD B-C L-4 E S 1312 COMMERCE STREET |
| Legal Subdivision | OVERLOOK PARK |
| Legal Block | C |
| Legal Lot Number | 4 |
| Jurisdiction | WINCHESTER CITY VA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 301 |
Source: Winchester City 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 | 1312 COMMERCE ST, WINCHESTER, VA 22601-4410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2018 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Nov 20, 2017 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jan 5, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| May 28, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK |
| Apr 29, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 4, 2014 |
| Transfer Doc | 0000001238 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 1312 COMMERCE ST, WINCHESTER, VA 22601-4410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180001659 |
|---|---|
| Date | Aug 2, 2018 |
| Instrument | 180001659 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 1312 COMMERCE ST, WINCHESTER, VA 22601-4410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|
| Document Number | 0170002634 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 170002634 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 1, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 1312 COMMERCE ST, WINCHESTER, VA 22601-4410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210000040 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 210000040 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 1312 COMMERCE ST, WINCHESTER, VA 22601-4410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200001223 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 200001223 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CITY VA |
| Property Address | 1312 COMMERCE ST, WINCHESTER, VA 22601-4410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0190000714 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 190000714 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
Source: Winchester City assessment roll, as of June 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Winchester City |
| Unified School District | Winchester City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,015.00 | $253,400 (+13.48%) Land $40,000 Building $213,400 | |
| 2025 | $2,015.00 | $253,400 (+13.48%) Land $40,000 Building $213,400 | |
| 2023 | $223,300 Land $40,000 Building $183,300 | $223,300 Land $40,000 Building $183,300 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.4% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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