1630 Pack Horse Rd, Winchester, VA 22603 Property Records

Frederick County property record for 1630 Pack Horse Rd, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,870 sqft · built 1989
Lot Size	12.2 acres (534,046 sqft)
Owner	Individual Name on Record
Tax Bill	$2,376 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08A-5`

Property Details

APN / Parcel Number

Primary APN	`08A-5`
Alternative APN	`8000456`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,870 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Finished Basement	1,472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	534,046 sqft (12.2 acres)
Terrain	Rolling
Garage Type	Built-in

Exterior Amenities

Porch	Porch
Porch Area	188 sqft
Deck Area	144 sqft
Patio Area	1,272 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Geothermal
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8000456
Street Address	1630 PACK HORSE RD
City	WINCHESTER
State	VA
Zip	22603-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	12.26 ACRES
Legal Subdivision	2
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1025
Census Tract	50300

Owner

Source: Frederick County 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	1630 PACK HORSE RD, WINCHESTER, VA 22603-1534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Jul 2, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1630 PACK HORSE RD, WINCHESTER, VA 22603-1534
Document Number	0000012013
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1630 PACK HORSE RD WINCHESTER VA 226031534, WINCHESTER, VA 22603-1534

Mortgage

Document Number	0000012013
Date	Sep 4, 2020
Instrument	12013

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 3, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 2, 2018
Property Address	1630 PACK HORSE RD, WINCHESTER, VA 22603-1534
Document Number	0000006283
Instrument Date	Jun 28, 2018
Instrument	6283
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1630 PACK HORSE RD WINCHESTER VA 22603, WINCHESTER, VA 22603

Mortgage

Document Number	6284
Date	Jul 2, 2018
Instrument	6284

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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	$2,376.00 (+10.46%)	$448,208 Land $87,400 Building $360,808	$448,208 Land $87,400 Building $360,808
2025	$2,151.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1996–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2018 · 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

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

Wildfire Risk	Low lower than 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.04% 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
Morgan Wireless Fixed Wireless · not low latency	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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