262 Files Chapel Dr, Winchester, VA 22603 Property Records

Frederick County property record for 262 Files Chapel Dr, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,808 sqft · built 1976
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,334 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074-3-2A`

Property Details

APN / Parcel Number

Primary APN	`074-3-2A`
Alternative APN	`8000339`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,808 sqft Living Area
Gross Area	4,780 sqft
1st Floor Area	1,872 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8000339
Street Address	262 FILES CHAPEL DR
City	WINCHESTER
State	VA
Zip	22603-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	RITTER MOUNTAIN L2A S3 5.00 ACRES
Legal Subdivision	RITTER MOUNTAIN
Legal Lot Number	2
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1031
Census Tract	50300

Owner

Source: Frederick County records · APN 074-3-2A

Assessment roll updated July 9, 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	2 Individual Names on File
Mailing Address	262 FILES CHAPEL DR, WINCHESTER, VA 22603-1620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2017	Deed of Trust, Mortgage · Conventional with PMI ALCOVA MTG
Dec 28, 2016	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	262 FILES CHAPEL DR, WINCHESTER, VA 22603-1620
Document Number	0000008880
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Oct 05, 2017
Title Company	DIRECT TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	262 FILES CHAPEL DR WINCHESTER VA 226031620, WINCHESTER, VA 22603-1620

Mortgage

Document Number	0000008880
Date	Aug 29, 2017
Instrument	8880

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	262 FILES CHAPEL DR, WINCHESTER, VA 22603-1620
Document Number	0000000093
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	262 FILES CHAPEL DR WINCHESTER VA 226031620, WINCHESTER, VA 22603-1620

Mortgage

Document Number	0000000093
Date	Jan 04, 2017
Instrument	93

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 03, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$2,334.00 (+10.46%)	$440,300 Land $79,000 Building $361,300	$440,300 Land $79,000 Building $361,300
2025	$2,113.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1996–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2018 · river or lake flooding

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 6 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Files Chapel Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures