186 Waterloo Ct, Winchester, VA 22602 Property Records

Frederick County property record for 186 Waterloo Ct, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,020 sqft · built 1995
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2011)
Tax Bill	$2,446 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65A-140B`

Property Details

APN / Parcel Number

Primary APN	`65A-140B`
Alternative APN	`8021311`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,020 sqft Living Area
Gross Area	4,172 sqft
1st Floor Area	1,700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	980 sqft
Parking Spaces	2 Parking Spaces
Deck Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8021311
Street Address	186 WATERLOO CT
City	WINCHESTER
State	VA
Zip	22602-4666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	5.00 ACRES
Legal Subdivision	4
Jurisdiction	FREDERICK VA
Township / Civil Division	RED BUD
Census Block Group	1
Census Block	1038
Census Tract	50900

Owner

186 Waterloo Ct is owned and occupied by an individual who bought it in November 2011.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	186 WATERLOO CT, WINCHESTER, VA 22602-4666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Conventional with PMI RESIDENTIAL MTG SVC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional with PMI RESIDENTIAL MTG SVC
Aug 21, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2011 · Amount on File
Deed Sale	Nov 18, 2011 · Amount on File
Deed Book / Page	1100 / 10278
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	186 WATERLOO CT, WINCHESTER, VA 22602-4666
Document Number	0000006833
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 WATERLOO CT WINCHESTER VA 226024666, WINCHESTER, VA 22602-4666

Mortgage

Document Number	0000006833
Date	Jun 8, 2020
Instrument	6833

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	186 WATERLOO CT, WINCHESTER, VA 22602-4666
Document Number	0000011397
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 WATERLOO CT WINCHESTER VA 226024666, WINCHESTER, VA 22602-4666

Mortgage

Document Number	0000011397
Date	Oct 25, 2019
Instrument	11397

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	186 WATERLOO CT, WINCHESTER, VA 22602-4666
Document Number	0000009427
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 WATERLOO CT WINCHESTER VA 226024666, WINCHESTER, VA 22602-4666

Mortgage

Document Number	0000009427
Date	Sep 12, 2017
Instrument	9427

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 186 Waterloo Ct was $2,446, up 16.8% 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	$2,446.00 (+16.75%)	$461,460 Land $128,000 Building $333,460	$461,460 Land $128,000 Building $333,460
2025	$2,095.00

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

Flood

FEMA maps place 186 Waterloo Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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	1 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · Flooding, High Winds, And Wind Driven Rain

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 186 Waterloo Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.03% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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