Frederick County property record for 320 Commerce St, Middletown, VA 22645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,663 sqft · built 2019 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,045 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage Mar 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 91A-8D |
| Primary APN | 91A-8D |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 1,663 sqft Living Area |
| Gross Area | 3,091 sqft |
| 1st Floor Area | 772 sqft |
| Basement Area | 772 sqft |
| Unfinished Basement | 772 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Terrain | Rolling |
| Garage Area | 244 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8050378 |
|---|---|
| Street Address | 320 COMMERCE ST |
| City | MIDDLETOWN |
| State | VA |
| Zip | 22645-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 3.00 ACRES |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | BACK CREEK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 50700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cedar Creek Battlefield and Belle Grove listed 1969 · 5 contributing resources · National Historic Landmark (designated 1969) · NRIS 69000243 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 320 COMMERCE ST, MIDDLETOWN, VA 22645-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Mar 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Jul 16, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 320 COMMERCE ST, MIDDLETOWN, VA 22645-1823 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000854 |
|---|---|
| Date | Jan 30, 2019 |
| Instrument | 190000854 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 320 COMMERCE ST, MIDDLETOWN, VA 22645-1823 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003497 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 210003497 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 320 COMMERCE ST, MIDDLETOWN, VA 22645-1823 |
| Document Number | 0000007237 |
| Instrument Date | Jul 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 320 COMMERCE ST MIDDLETOWN VA 226451823, MIDDLETOWN, VA 22645-1823 |
| Document Number | 0000007237 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 7237 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 22, 2044 |
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,045.00 (+10.42%) | $385,800 Land $109,000 Building $276,800 | $385,800 Land $109,000 Building $276,800 |
| 2025 | $1,852.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · other causes |
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.
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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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