Warren County property record for 240 Cloud St, Front Royal, VA 22630
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,638 sqft · built 1930 |
| Lot Size | 0.086 acres (3,746 sqft) |
| Owner | Individual Name on File |
| Last Sale | $174,000 (Jul 2015) |
| Tax Bill | $1,877 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20A7-4-157 |
| Primary APN | 20A7-4-157 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 2,658 sqft |
| 1st Floor Area | 728 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 473 sqft |
| Unfinished Basement | 728 sqft |
| Flooring | Softwood |
| Interior Walls | Plaster |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,746 sqft (0.086 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 11913 |
|---|---|
| Street Address | 240 CLOUD ST |
| City | FRONT ROYAL |
| State | VA |
| Zip | 22630-3108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | L157 CLOUD ST |
| Legal Subdivision | SOUTH RIVER-TOWN |
| Jurisdiction | WARREN VA |
| Township / Civil Division | SOUTH RIVER |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 20500 |
Source: Warren County records · APN 20A7-4-157
Assessment roll updated April 20, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 240 CLOUD ST, FRONT ROYAL, VA 22630-3108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 15, 2015 · Amount on Record |
| Deed Sale | Jul 15, 2015 · Amount on Record |
| Prior Sale | Jul 03, 2007 · Amount on Record |
| Deed Document Number | 20153475 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Aug 03, 2026 |
| Property Address | 240 CLOUD ST, FRONT ROYAL, VA 22630-3108 |
| Document Number | 0000003952 |
| Instrument Date | Aug 03, 2026 |
| Instrument | 20263952 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 240 CLOUD ST, FRONT ROYAL, VA 22630-3108 |
| Document Number | 0000003952, |
|---|---|
| Date | Aug 03, 2026 |
| Instrument | 20263952 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.79% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 240 CLOUD ST, FRONT ROYAL, VA 22630-3108 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210004303 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 210004303 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Apr 01, 2036 |
Source: Warren County records · Assessment roll updated April 20, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Warren County |
| Municipality | Front Royal Town |
| Unified School District | Warren County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,877.00 (+18.87%) | $329,800 (-) Land $38,500 Building $291,300 | |
| 2025 | $1,579.00 (+15.93%) | $329,800 (+18.59%) Land $38,500 Building $291,300 | $329,800 (+18.59%) Land $38,500 Building $291,300 |
| 2024 | $1,362.00 | $278,100 (-) Land $34,500 Building $243,600 | $278,100 (-) Land $34,500 Building $243,600 |
| 2023 | $278,100 Land $34,500 Building $243,600 | $278,100 Land $34,500 Building $243,600 | |
| 2022 | $1,362.00 |
Source: FEMA National Flood Hazard Layer, Warren County (51187C), as of June 3, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511870205003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 42 (1985–2025) |
| Claims Outside the SFHA | 4 of 42 |
| Most Recent Claim | May 2025 · river or lake flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 414 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system VA2187406, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF FRONT ROYAL serves 15,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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