178 Apple Way, Front Royal, VA 22630 Property Records

Warren County property record for 178 Apple Way, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 690 sqft · built 2020
Lot Size	0.294 acres (12,807 sqft)
Owner	Individual Name on File
Last Sale	$9,000 (Apr 2019)
Tax Bill	$1,383 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13/C/5/5/975`

Property Details

APN / Parcel Number

Primary APN	`13/C/5/5/975`
Alternative APN	`3095`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	690 sqft Living Area
Gross Area	818 sqft
1st Floor Area	690 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,807 sqft (0.294 acres)
Terrain	Rolling
Porch	Slab
Porch Area	108 sqft
Deck Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	3095
Old Parcel Number	13C 5 5 975
Street Address	178 APPLE WAY
City	FRONT ROYAL
State	VA
Zip	22630-6477
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	L 975 SHEN SHORES SEC 5
Legal Subdivision	SHENANDOAH SHORES SAN DIST
Legal Lot Number	975
Jurisdiction	WARREN VA
Township / Civil Division	SHENANDOAH
Census Block Group	1
Census Block	1001
Census Tract	20601

Owner

178 Apple Way is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477
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
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Mar 15, 2024	Deed of Trust, Mortgage · FHA Mortgage GLOBAL EQUITY FINANCE INC
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 1, 2019	Deed of Trust, Mortgage · Construction Mortgage GEORGE MASON MORTGAGE LLC
Apr 18, 2019	Deed, Transfer BRIDGE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Deed Document Number	20191661
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Recording Date	Jun 22, 2026
Property Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477
Document Number	0000003028
Instrument Date	Jun 9, 2026
Instrument	20263028
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477

Mortgage

Document Number	0000003028,
Date	Jun 22, 2026
Instrument	20263028

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000970
Date	Mar 15, 2024
Instrument	240000970

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92126

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000996
Date	Feb 11, 2022
Instrument	220000996

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	CHANCELLOR TITLE, CHANCELLOR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190003226
Date	Jul 1, 2019
Instrument	190003226

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.25%
Index	1-Year CMT
Margin	3
Max Rate	10.2%

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	Apr 18, 2019
Property Address	178 APPLE WAY, FRONT ROYAL, VA 22630-6477
Document Number	190001661
Map Reference	MB 140 PG 493
Instrument Date	Apr 15, 2019
Instrument	190001661
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	BRIDGE TITLE INC

Transaction

Amount	Amount on Record
Tax	$10.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1851 TIGER LILY CIR, WOODBRIDGE, VA 22192-5610

Tax Assessment & Valuation

The 2026 property tax bill for 178 Apple Way was $1,383, 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
Unified School District	Warren County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,383.00 (+18.81%)	$243,100 (-) Land $41,500 Building $201,600
2025	$1,164.00 (-41.71%)	$243,100 (+21.73%) Land $41,500 Building $201,600	$243,100 (+21.73%) Land $41,500 Building $201,600
2024	$1,997.00	$199,700 (-) Land $46,000 Building $153,700	$199,700 (-) Land $46,000 Building $153,700
2023		$199,700 Land $46,000 Building $153,700	$199,700 Land $46,000 Building $153,700
2022	$1,997.00

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

Flood

FEMA maps place 178 Apple Way in Zone X, an area of minimal flood risk, though there have been 103 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	103 (1979–2018)
Claims Outside the SFHA	18 of 103
Most Recent Claim	Jun 2018 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 12 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 26 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 25 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 178 Apple Way is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 54% 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

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

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