221 Cobble Stone Dr, Winchester, VA 22602 Property Records

Frederick County property record for 221 Cobble Stone Dr, Winchester, VA 22602

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,933 sqft · built 2014
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$436,000 (Mar 2026)
Tax Bill	$2,186 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55G5-2-73`

Property Details

APN / Parcel Number

Primary APN	`55G5-2-73`
Alternative APN	`8046541`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,933 sqft Living Area
Gross Area	3,133 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8046541
Street Address	221 COBBLE STONE DR
City	WINCHESTER
State	VA
Zip	22602-6871
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RP
Legal Description	FIELDSTONE L73 S2P2
Legal Subdivision	FIELDSTONE
Legal Phase	2
Legal Lot Number	73
Jurisdiction	FREDERICK VA
Township / Civil Division	RED BUD
Census Block Group	2
Census Block	2001
Census Tract	51104

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	221 COBBLE STONE DR, WINCHESTER, VA 22602-6871
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on Record
Deed Sale	Mar 26, 2026 · Amount on Record
Deed Document Number	20262823
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 26, 2026
Property Address	221 COBBLE STONE DR, WINCHESTER, VA 22602-6871
Document Number	0000002823
Map Reference	DOC 070015356
Instrument Date	Mar 24, 2026
Instrument	260002823
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 COBBLE STONE DR, WINCHESTER, VA 22602-6871

Mortgage

Document Number	0000002824
Date	Mar 26, 2026
Instrument	260002824

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

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	$2,186.00 (+10.4%)	$412,500 (-) Land $68,000 Building $344,500	$412,500 (-) Land $68,000 Building $344,500
2025	$1,980.00	$412,500 Land $68,000 Building $344,500	$412,500 Land $68,000 Building $344,500

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

Flood

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	2 in force

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

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	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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20