Frederick County property record for 188 Payne Rd, Winchester, VA 22603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,624 sqft · built 1974 |
| Lot Size | 0.61 acres (26,575 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Sep 2025) |
| Tax Bill | $1,333 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43A4-2-17 |
| Primary APN | 43A4-2-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,856 sqft |
| 1st Floor Area | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,575 sqft (0.61 acres) |
| Terrain | Rolling |
| Pool Type | Above-Ground Pool |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8008377 |
|---|---|
| Street Address | 188 PAYNE RD |
| City | WINCHESTER |
| State | VA |
| Zip | 22603-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | RUSSELL'S PARADISE L17 S2 |
| Legal Subdivision | RUSSELL'S PARADISE |
| Legal Lot Number | 17 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50200 |
188 Payne Rd is owned and occupied by an individual who bought it in September 2025.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 188 PAYNE RD, WINCHESTER, VA 22603-4518 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2025 · Amount on File |
| Deed Sale | Sep 3, 2025 · Amount on File |
| Prior Sale | May 18, 2023 · Amount on File |
| Deed Document Number | 20258679 |
| Prior Transfer Date | Aug 29, 2025 |
| Prior Transfer Doc | 0000008679 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 3, 2025 |
| Property Address | 188 PAYNE RD, WINCHESTER, VA 22603-4518 |
| Document Number | 0000008679 |
| Map Reference | MB 410 PG 270 |
| Instrument Date | Aug 29, 2025 |
| Instrument | 250008679 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2025 |
| Title Company | VESTA SETTLEMENTS LLC, VESTA SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 188 PAYNE RD, WINCHESTER, VA 22603-4518 |
| Document Number | 0000008680 |
|---|---|
| Date | Sep 3, 2025 |
| Instrument | 250008680 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
The 2026 property tax bill for 188 Payne Rd was $1,333, up 10.3% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,333.00 (+10.35%) | $251,580 (-) Land $83,000 Building $168,580 | $251,580 (-) Land $83,000 Building $168,580 |
| 2025 | $1,208.00 (+115.33%) | $251,580 Land $83,000 Building $168,580 | $251,580 Land $83,000 Building $168,580 |
| 2024 | $561.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 188 Payne Rd 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 risk around 188 Payne Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Verizon.
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