243 Summerfield Dr, Winchester, VA 22602 Property Records

Frederick County property record for 243 Summerfield Dr, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,954 sqft · built 2013
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (Oct 2026)
Tax Bill	$3,922 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Aug 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`64G3-6-36`

Property Details

APN / Parcel Number

Primary APN	`64G3-6-36`
Alternative APN	`8044832`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	17 Rooms
Stories	1 Story
Building Area	2,954 sqft Living Area
Gross Area	6,879 sqft
1st Floor Area	2,027 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.54 acres)
Terrain	Rolling
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	74 sqft
Deck Area	456 sqft
Patio Area	490 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8044832
Street Address	243 SUMMERFIELD DR
City	WINCHESTER
State	VA
Zip	22602-4367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RAVEN POINTE L36 S6P1
Legal Subdivision	RAVEN POINT
Legal Phase	1
Legal Lot Number	36
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	1
Census Block	1000
Census Tract	51001

Owner

243 Summerfield Dr is owned and occupied by two individuals who bought it in October 2026.

Source: Frederick County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 2, 2026	Deed, Transfer · Conventional Mortgage APPLE FEDERAL CREDIT UNION
Aug 11, 2026	Deed of Trust, Mortgage · Construction Mortgage CHESAPEAKE BANK
Feb 15, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST COMPANY
Feb 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage INTEGRITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Nov 20, 2013 · Amount on File
Deed Document Number	202610443
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 2, 2026
Property Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367
Document Number	0000010443
Instrument Date	Sep 28, 2026
Instrument	202610443
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	CHAMPION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,335.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367

Mortgage

Document Number	0000010444,
Date	Oct 2, 2026
Instrument	202610444

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Aug 11, 2026
Property Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367
Document Number	0000008452
Instrument Date	Jul 31, 2026
Instrument	20268452
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367

Mortgage

Document Number	0000008452,
Date	Aug 11, 2026
Instrument	20268452

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 1, 2027

Interest

Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367
Transaction Type	Mortgage
Record Updated	Jul 1, 2022
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001673
Date	Feb 15, 2017
Instrument	170001673

Lender

Name	FIRST CITIZENS BANK & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	243 SUMMERFIELD DR, WINCHESTER, VA 22602-4367
Document Number	0000001672
Instrument Date	Feb 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	243 SUMMERFIELD DR WINCHESTER VA 226024367, WINCHESTER, VA 22602-4367

Mortgage

Document Number	0000001672
Date	Feb 15, 2017
Instrument	1672

Lender

Name	INTEGRITY HM MTG
Type	Mortgage Company
Address	WINCHESTER, VA 22602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 243 Summerfield Dr was $3,922, 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	$3,922.00 (+10.42%)	$740,000 Land $108,000 Building $632,000	$740,000 Land $108,000 Building $632,000
2025	$3,552.00

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

Flood

FEMA maps place 243 Summerfield Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 243 Summerfield 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 347 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 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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