Frederick County property record for 191 Chimney Cir, Middletown, VA 22645
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,908 sqft · built 2006 |
| Lot Size | 2.55 acres (111,078 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,000 (May 2013) |
| Tax Bill | $3,473 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 833-2-9 |
| Primary APN | 833-2-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,908 sqft Living Area |
| Gross Area | 5,954 sqft |
| 1st Floor Area | 1,507 sqft |
| Basement Area | 1,150 sqft |
| Finished Basement | 1,150 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 111,078 sqft (2.55 acres) |
| Terrain | Rolling |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 450 sqft |
| Porch | Porch |
| Porch Area | 42 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8042902 |
|---|---|
| Street Address | 191 CHIMNEY CIR |
| City | MIDDLETOWN |
| State | VA |
| Zip | 22645-2184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | CHIMNEY HILL ESTATES L9S2 2.55 ACRES |
| Legal Subdivision | CHIMNEY HILL ESTATES |
| Legal Lot Number | 9 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | BACK CREEK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 191 CHIMNEY CIR, MIDDLETOWN, VA 22645-2184 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage POTOMAC VALLEY BANK |
| Aug 12, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF CHARLES TOWN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2013 · Amount on Record |
| Deed Sale | May 9, 2013 · Amount on Record |
| Prior Sale | Aug 25, 2005 · Amount on Record |
| Deed Book / Page | 1300 / 5424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Aug 31, 2026 |
| Property Address | 191 CHIMNEY CIR, MIDDLETOWN, VA 22645-2184 |
| Document Number | 0000009287 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 20269287 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 191 CHIMNEY CIR, MIDDLETOWN, VA 22645-2184 |
| Document Number | 0000009287, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 20269287 |
| Name | POTOMAC VALLEY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 191 CHIMNEY CIR, MIDDLETOWN, VA 22645-2184 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000010205 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 220010205 |
| Name | BANK OF CHARLES TOWN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 5, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,473.00 (+10.43%) | $655,250 Land $132,300 Building $522,950 | $655,250 Land $132,300 Building $522,950 |
| 2025 | $3,145.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 60% 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.
Source: FCC Broadband Data Collection, based on 31 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 |
| T-Mobile Fixed Wireless | 25 / 3 |
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