148 Windy Pine Ln, Winchester, VA 22603 Property Records

Frederick County property record for 148 Windy Pine Ln, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,078 sqft · built 1988
Lot Size	5.47 acres (238,273 sqft)
Owner	2 Individual Names on File
Last Sale	$408,000 (Jun 2004)
Tax Bill	$4,150 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3215-1-3`

Property Details

APN / Parcel Number

Primary APN	`3215-1-3`
Alternative APN	`8028880`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,078 sqft Living Area
Gross Area	5,783 sqft
1st Floor Area	1,329 sqft
Basement Area	1,329 sqft
Finished Basement	1,329 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	238,273 sqft (5.47 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	880 sqft
Porch	Porch
Porch Area	572 sqft
Deck Area	142 sqft
Patio Area	194 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8028880
Street Address	148 WINDY PINE LN
City	WINCHESTER
State	VA
Zip	22603-3274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	COTTONWOOD L3 S1 5.47 ACRES
Legal Subdivision	COTTONWOOD
Legal Lot Number	3
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	3
Census Block	3004
Census Tract	50200

Owner

148 Windy Pine Ln is owned and occupied by two individuals who bought it in June 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	148 WINDY PINE LN, WINCHESTER, VA 22603-3274
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
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF CLARKE CNTY
Apr 30, 2018	Grant Deed, Transfer · Conventional Mortgage CHRISTIAN CMNTY CU
Oct 26, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2004 · Amount on File
Deed Sale	Jun 30, 2004 · Amount on File
Deed Book / Page	400 / 12375
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	148 WINDY PINE LN, WINCHESTER, VA 22603-3274
Document Number	0000005277
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	148 WINDY PINE LN WINCHESTER VA 226033274, WINCHESTER, VA 22603-3274

Mortgage

Document Number	0000005277
Date	May 5, 2020
Instrument	5277

Lender

Name	BANK OF CLARKE CNTY
Type	Bank
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 4, 2040

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 30, 2018
Property Address	148 WINDY PINE LN, WINCHESTER, VA 22603-3274
Document Number	0000004048
Instrument Date	Apr 25, 2018
Instrument	4048
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	TITLE RESOURCES GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	148 WINDY PINE LN WINCHESTER VA 226033274, WINCHESTER, VA 22603-3274

Mortgage

Document Number	4049
Date	Apr 30, 2018
Instrument	4049

Lender

Name	CHRISTIAN CMNTY CU
Type	Credit Union
Address	SAN DIMAS, CA 91773

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	148 WINDY PINE LN, WINCHESTER, VA 22603-3274
Document Number	0000011420
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	148 WINDY PINE LN WINCHESTER VA 226033274, WINCHESTER, VA 22603-3274

Mortgage

Document Number	0000011420
Date	Nov 1, 2017
Instrument	11420

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 148 Windy Pine Ln was $4,150, 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	$4,150.00 (+10.4%)	$783,040 Land $150,500 Building $632,540	$783,040 Land $150,500 Building $632,540
2025	$3,759.00

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

Flood

FEMA maps place 148 Windy Pine Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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	3 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2003 · 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.

Wildfire

Wildfire risk around 148 Windy Pine Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 65% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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