315 Gray Ave, Winchester, VA 22601 Property Records

Winchester City property record for 315 Gray Ave, Winchester, VA 22601

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 1,638 sqft · built 1931
Lot Size	0.175 acres (7,610 sqft)
Owner	Individual Name on File
Last Sale	$386,350 (Mar 2025)
Tax Bill	$2,767 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`174-01-L-57`

Property Details

APN / Parcel Number

Primary APN	`174-01-L-57`
Alternative APNs	`3147` `3487`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,638 sqft Living Area
1st Floor Area	1,572 sqft
Basement Area	852 sqft
Unfinished Basement	852 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1965
Architectural Style	Multi-Family
Exterior Material	Aluminum Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,610 sqft (0.175 acres)
Porch	Patio
Porch Area	424 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3147
Street Address	315 GRAY AVE
City	WINCHESTER
State	VA
Zip	22601-5239
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	HR1
Legal Description	W S 315 GRAY AVENUE
Legal Subdivision	GRAY AVENUE
Jurisdiction	WINCHESTER CITY VA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3005
Census Tract	102

Owner

315 Gray Ave, a residential property, is owned and occupied by an individual who bought it in March 2025.

Source: Winchester City records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	315 GRAY AVE, WINCHESTER, VA 22601-5239
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
Nov 17, 2021	Deed of Trust, Mortgage · VA Mortgage INTERCOASTAL MORTGAGE
Mar 14, 2025	Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE
Aug 12, 2019	Deed, Transfer · VA Mortgage POTOMAC MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2025 · Amount on File
Deed Sale	Mar 14, 2025 · Amount on File
Prior Sale	Aug 12, 2019 · Amount on File
Deed Document Number	2025529
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	315 GRAY AVE, WINCHESTER, VA 22601-5239
Transaction Type	Mortgage
Record Updated	Jun 18, 2026
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETMNTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003748
Date	Nov 17, 2021
Instrument	210003748

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Mar 14, 2025
Property Address	315 GRAY AVE, WINCHESTER, VA 22601-5239
Document Number	0250000529
Instrument Date	Mar 13, 2025
Instrument	250000529
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$193.25
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	315 GRAY AVE, WINCHESTER, VA 22601-5239

Mortgage

Document Number	0250000530
Date	Mar 14, 2025
Instrument	250000530

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Aug 12, 2019
Property Address	315 GRAY AVE, WINCHESTER, VA 22601-5239
Document Number	0190001582
Instrument Date	Aug 8, 2019
Instrument	190001582
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 1 2 GRAY AVENUE, WINCHESTER, VA 22601

Mortgage

Document Number	0190001583
Date	Aug 12, 2019
Instrument	190001583

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 315 Gray Ave was $2,767.

Source: Winchester City assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Winchester City
Unified School District	Winchester City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,767.00	$348,000 Land $50,000 Building $298,000
2025	$2,767.00		$348,000 Land $50,000 Building $298,000
2023	$2,543.00 (+20.18%)	$306,500 Land $50,000 Building $256,500	$306,500 Land $50,000 Building $256,500
2022	$2,116.00

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

Flood

FEMA maps place 315 Gray Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 315 Gray Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FREDERICK WATER serves 46,206 people · EPA ID VA2069250
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 544 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 / 250
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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