20 E 13th St, Front Royal, VA 22630 Property Records

Warren County property record for 20 E 13th St, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,612 sqft · built 2018
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$257,500 (Aug 2018)
Tax Bill	$2,545 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20/A3/4/55/25`

Property Details

APN / Parcel Number

Primary APN	`20/A3/4/55/25`
Alternative APN	`9915`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Gross Area	2,554 sqft
1st Floor Area	812 sqft
Basement Area	812 sqft
Finished Basement	812 sqft
Unfinished Basement	812 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Terrain	Rolling
Porch	Slab
Porch Area	16 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9915
Old Parcel Number	20A3 455 25
Street Address	20 E 13TH ST
City	FRONT ROYAL
State	VA
Zip	22630-4128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 25 B 55
Legal Subdivision	SHENANDOAH-TOWN
Legal Lot Number	25
Jurisdiction	WARREN VA
Township / Civil Division	SHENANDOAH
Census Block Group	1
Census Block	1022
Census Tract	20500

Owner

20 E 13th St is owned by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2O E 13TH ST, FRONT ROYAL, VA 22630
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
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 16, 2018	Deed, Transfer · VA Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2018 · Amount on File
Deed Sale	Aug 16, 2018 · Amount on File
Deed Document Number	20184123
Prior Transfer Date	Aug 30, 2010
Prior Transfer Doc	0000004470
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	20 E 13TH ST, FRONT ROYAL, VA 22630-4128
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLIENTFIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190003634
Date	Jul 22, 2019
Instrument	190003634

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	20 E 13TH ST, FRONT ROYAL, VA 22630-4128
Transaction Type	Mortgage
Record Updated	Jul 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200003737
Date	Jun 22, 2020
Instrument	200003737

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	Aug 16, 2018
Property Address	20 E 13TH ST, FRONT ROYAL, VA 22630-4128
Document Number	180004123
Map Reference	DD S PG 300
Instrument Date	Aug 15, 2018
Instrument	180004123
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	STEWART TITLE GUARANTY COMPA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$257.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 E 13TH ST, FRONT ROYAL, VA 22630-4128

Mortgage

Document Number	180004124
Date	Aug 16, 2018
Instrument	180004124

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 20 E 13th St was $2,545, 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
Municipality	Front Royal Town
Unified School District	Warren County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,545.00 (+18.81%)	$447,300 (-) Land $36,100 Building $411,200
2025	$2,142.00 (+8.02%)	$447,300 (+10.5%) Land $36,100 Building $411,200	$447,300 (+10.5%) Land $36,100 Building $411,200
2024	$1,983.00	$404,800 (-) Land $46,000 Building $358,800	$404,800 (-) Land $46,000 Building $358,800
2023		$404,800 Land $46,000 Building $358,800	$404,800 Land $46,000 Building $358,800
2022	$1,983.00

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

Flood

FEMA maps place 20 E 13th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1985.

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	7 (1985–2025)
Most Recent Claim	May 2025 · other causes
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 2 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 20 E 13th St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRONT ROYAL serves 15,000 people · EPA ID VA2187406
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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