2012 Adams Rd, Winchester, VA 22603 Property Records

Frederick County property record for 2012 Adams Rd, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 2017
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,141 (2026)
Deeds & Mortgages	Aug 2017 Sale & Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12A-97E`

Property Details

APN / Parcel Number

Primary APN	`12A-97E`
Alternative APN	`8047704`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,421 sqft Living Area
Gross Area	3,542 sqft
1st Floor Area	1,421 sqft
Basement Area	1,421 sqft
Unfinished Basement	1,421 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8047704
Street Address	2012 ADAMS RD
City	WINCHESTER
State	VA
Zip	22603-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 5.00 ACRES
Legal Lot Number	5
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1055
Census Tract	50300

Owner

2012 Adams Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	2012 ADAMS RD, WINCHESTER, VA 22603-1951
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
Aug 25, 2017	Grant Deed, Transfer · FHA Mortgage HOME PT FIN'L
Feb 21, 2017	Trustee's Deed, Construction Loan · Line of Credit BANK OF CHARLESTOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 25, 2017
Property Address	2012 ADAMS RD, WINCHESTER, VA 22603-1951
Document Number	0000008739
Instrument Date	Aug 24, 2017
Instrument	8739
Transaction Type	Transfer
Record Updated	Nov 23, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2012 ADAMS RD WINCHESTER VA 22603, WINCHESTER, VA 22603

Mortgage

Document Number	8740
Date	Aug 25, 2017
Instrument	8740

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2047

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 21, 2017
Property Address	2012 ADAMS RD, WINCHESTER, VA 22603-1951
Instrument Date	Feb 17, 2017
Instrument	1813
Transaction Type	Construction Loan
Record Updated	May 12, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 HARTSELL LN STEPHENS CITY VA 226555760, STEPHENS CITY, VA 22655-5760

Mortgage

Document Number	0000001813
Date	Feb 21, 2017
Instrument	1813

Lender

Name	BANK OF CHARLESTOWN
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 20, 2018

Interest

Rate Type	Adjustable Rate
Rate	4.95%

Tax Assessment & Valuation

The 2026 property tax bill for 2012 Adams Rd was $2,141, up 10.4% 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	$2,141.00 (+10.42%)	$403,880 Land $93,000 Building $310,880	$403,880 Land $93,000 Building $310,880
2025	$1,939.00

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

Flood

FEMA maps place 2012 Adams Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1996–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2018 · 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

Wildfire risk around 2012 Adams Rd 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

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

Nearby Properties on Adams Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures