2415 Panhandle Rd, Front Royal, VA 22630 Property Records

Warren County property record for 2415 Panhandle Rd, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,230 sqft · built 1990
Lot Size	17.9 acres (783,644 sqft)
Owner	2 Individual Names on File
Last Sale	$479,000 (May 2020)
Tax Bill	$4,306 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35/13/B1`

Property Details

APN / Parcel Number

Primary APN	`35/13/B1`
Alternative APN	`25833`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,230 sqft Living Area
Gross Area	5,630 sqft
1st Floor Area	2,230 sqft
Basement Area	669 sqft
Finished Basement	669 sqft
Unfinished Basement	2,230 sqft
Flooring	Softwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2007
Exterior Material	Logs
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	783,644 sqft (17.9 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	480 sqft
Deck Area	536 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25833
Old Parcel Number	35 13B1
Street Address	2415 PANHANDLE RD
City	FRONT ROYAL
State	VA
Zip	22630-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PAR B1 ROSEMARY M ROLLINS LAND BDY ADJ LOTS A & B
Legal Subdivision	FORK-COUNTY
Legal Lot Number	A
Jurisdiction	WARREN VA
Township / Civil Division	FORK
Census Block Group	4
Census Block	4002
Census Tract	20300

Owner

2415 Panhandle Rd is owned and occupied by two individuals who bought it in May 2020.

Source: Warren County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2415 PANHANDLE RD, FRONT ROYAL, VA 22630-6601
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
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 4, 2020	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2020 · Amount on File
Deed Sale	May 4, 2020 · Amount on File
Deed Document Number	20202698
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	2415 PANHANDLE RD, FRONT ROYAL, VA 22630-6601
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2415 PANHANDLE RD, FRONT ROYAL, VA 22630-6601

Mortgage

Document Number	0220004705
Date	Jul 27, 2022
Instrument	220004705

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2062

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	2415 PANHANDLE RD, FRONT ROYAL, VA 22630-6601
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001973
Date	Mar 8, 2021
Instrument	210001973

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	May 4, 2020
Property Address	2415 PANHANDLE RD, FRONT ROYAL, VA 22630-6601
Document Number	200002698
Map Reference	MB 432 PG 271
Instrument Date	Apr 24, 2020
Instrument	200002698
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	OLD TOWNE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$479.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2415 PANHANDLE RD, FRONT ROYAL, VA 22630-6601

Mortgage

Document Number	200002699
Date	May 4, 2020
Instrument	200002699

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 2415 Panhandle Rd was $4,306, up 18.8% from the year before.

Source: Warren County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Warren County
Unified School District	Warren County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,306.00 (+18.79%)	$756,868 (-) Land $241,900 Building $514,968
2025	$3,625.00 (+20.95%)	$756,868 (+23.71%) Land $241,900 Building $514,968	$756,868 (+23.71%) Land $241,900 Building $514,968
2024	$2,997.00	$611,800 (-) Land $173,400 Building $438,400	$611,800 (-) Land $173,400 Building $438,400
2023		$611,800 Land $173,400 Building $438,400	$611,800 Land $173,400 Building $438,400
2022	$2,997.00

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

Flood

FEMA maps place 2415 Panhandle Rd in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	15 (1985–2003)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 8 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 3 claims

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 2415 Panhandle Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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