245 McCarty Ln, Winchester, VA 22602 Property Records

Frederick County property record for 245 McCarty Ln, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,872 sqft · built 1983
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,092 (2026)
Deeds & Mortgages	Feb 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`653-2`

Property Details

APN / Parcel Number

Primary APN	`653-2`
Alternative APN	`8021393`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,872 sqft Living Area
Gross Area	3,824 sqft
1st Floor Area	1,872 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8021393
Street Address	245 MCCARTY LN
City	WINCHESTER
State	VA
Zip	22602-4623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	5.00 ACRES
Legal Subdivision	4
Jurisdiction	FREDERICK VA
Township / Civil Division	RED BUD
Census Block Group	1
Census Block	1036
Census Tract	50900

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	2 Individual Names on Record
Mailing Address	245 MCCARTY LN, WINCHESTER, VA 22602-4623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANPAL
Jul 17, 2019	Deed of Trust, Mortgage LOANPAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2021
Deed Sale	Mar 3, 2021
Deed Document Number	20213633
Deed Book / Page	392
Prior Transfer Date	Feb 8, 2021
Prior Transfer Doc	0000003633
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 MCCARTY LN, WINCHESTER, VA 22602-4623
Document Number	0000002712
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	245 MCCARTY LN WINCHESTER VA 226024623, WINCHESTER, VA 22602-4623

Mortgage

Document Number	0000002712
Date	Mar 6, 2020
Instrument	2712

Lender

Name	LOANPAL
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 MCCARTY LN, WINCHESTER, VA 22602-4623
Document Number	0000007197
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	245 MCCARTY LN WINCHESTER VA 226024623, WINCHESTER, VA 22602-4623

Mortgage

Document Number	0000007197
Date	Jul 23, 2019
Instrument	7197

Lender

Name	LOANPAL
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

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	$2,092.00 (+10.4%)	$394,760 Land $128,000 Building $266,760	$394,760 Land $128,000 Building $266,760
2025	$1,895.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · Flooding, High Winds, And Wind Driven Rain

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	0.04% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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