Frederick County property record for 227 Cobble Stone Dr, Winchester, VA 22602
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3.5 ba · 1,672 sqft · built 2014 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Jul 2023) |
| Tax Bill | $2,018 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 55G5-2-76 |
| Primary APN | 55G5-2-76 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,672 sqft Living Area |
| Gross Area | 2,736 sqft |
| 1st Floor Area | 836 sqft |
| Basement Area | 836 sqft |
| Finished Basement | 836 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Townhouse |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,614 sqft (0.06 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 32 sqft |
| Deck Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8046544 |
|---|---|
| Street Address | 227 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 L76 S2P2 |
| Legal Subdivision | FIELDSTONE |
| Legal Phase | 2 |
| Legal Lot Number | 76 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | RED BUD |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 51104 |
227 Cobble Stone Dr, a townhouse, is owned and occupied by two individuals who acquired it in October 2025.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 227 COBBLE STONE DR, WINCHESTER, VA 22602-6871 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on File |
| Deed Sale | Jul 12, 2023 · Amount on File |
| Deed Document Number | 20235825 |
| Last Transfer Date | Oct 9, 2025 |
| Transfer Doc | 0000010578 |
| Record Updated | Sep 20, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Oct 21, 2025 |
| Property Address | 227 COBBLE STONE DR, WINCHESTER, VA 22602-6871 |
| Document Number | 0000010578 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 250010578 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2025 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 227 COBBLE STONE DR, WINCHESTER, VA 22602-6871 |
| Document Number | 0000010579 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 250010579 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.8% |
The 2026 property tax bill for 227 Cobble Stone Dr was $2,018, up 10.4% from the year before.
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 | $2,018.00 (+10.39%) | $380,800 (-) Land $68,000 Building $312,800 | $380,800 (-) Land $68,000 Building $312,800 |
| 2025 | $1,828.00 (+112.56%) | $380,800 Land $68,000 Building $312,800 | $380,800 Land $68,000 Building $312,800 |
| 2024 | $860.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 227 Cobble Stone Dr 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 | 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 risk around 227 Cobble Stone Dr 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 | 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 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 |
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