2085 Chapel Rd, Middletown, VA 22645 Property Records

Frederick County property record for 2085 Chapel Rd, Middletown, VA 22645

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,053 sqft · built 1960
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$214,900 (Feb 2026)
Tax Bill	$1,087 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`91A031-J`

Property Details

APN / Parcel Number

Primary APN	`91A031-J`
Alternative APN	`8026190`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,053 sqft Living Area
Gross Area	2,387 sqft
1st Floor Area	936 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1988
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)
Terrain	Rolling
Porch	Porch
Porch Area	348 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8026190
Street Address	2085 CHAPEL RD
City	MIDDLETOWN
State	VA
Zip	22645-1854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	.18 ACRE
Legal Subdivision	1
Jurisdiction	FREDERICK VA
Township / Civil Division	BACK CREEK
Census Block Group	2
Census Block	2027
Census Tract	50700

Owner

2085 Chapel Rd is owned and occupied by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2085 CHAPEL RD, MIDDLETOWN, VA 22645-1854
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2026 · Amount on File
Deed Sale	Feb 2, 2026 · Amount on File
Prior Sale	Dec 7, 2005 · Amount on File
Deed Document Number	2026927
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 2, 2026
Property Address	2085 CHAPEL RD, MIDDLETOWN, VA 22645-1854
Document Number	0000000927
Map Reference	MB 928 PG 1404
Instrument Date	Jan 29, 2026
Instrument	260000927
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2085 CHAPEL RD, MIDDLETOWN, VA 22645-1854

Mortgage

Document Number	0000000928
Date	Feb 2, 2026
Instrument	260000928

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 2085 Chapel Rd was $1,087, 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	$1,087.00 (+10.36%)	$205,180 (-) Land $88,000 Building $117,180	$205,180 (-) Land $88,000 Building $117,180
2025	$985.00 (+133.97%)	$205,180 Land $88,000 Building $117,180	$205,180 Land $88,000 Building $117,180
2024	$421.00

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

Flood

FEMA maps place 2085 Chapel Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2085 Chapel Rd 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 80% of the US · lower than 71% 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.

Drinking Water

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

Water System	TOWN OF MIDDLETOWN serves 1,390 people · EPA ID VA2069333
Water Source	Purchased surface water from CITY OF WINCHESTER
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20