Frederick County property record for 348 Payne Rd, Winchester, VA 22603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1989 |
| Lot Size | 1.18 acres (51,207 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $15,400 (Mar 2002) |
| Tax Bill | $1,641 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 43A3-2-1 |
| Primary APN | 43A3-2-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 3,814 sqft |
| 1st Floor Area | 1,344 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 51,207 sqft (1.18 acres) |
| Terrain | Rolling |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 130 sqft |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8008361 |
|---|---|
| Street Address | 348 PAYNE RD |
| City | WINCHESTER |
| State | VA |
| Zip | 22603-4520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | RUSSELL'S PARADISE L1 S2 |
| Legal Subdivision | RUSSELL'S PARADISE |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50200 |
348 Payne Rd is owner-occupied and held in a trust since February 2015.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 348 PAYNE RD, WINCHESTER, VA 22603-4520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2002 · Amount on File |
| Deed Sale | Mar 25, 2002 · Amount on File |
| Prior Sale | Oct 28, 1999 · Amount on File |
| Deed Document Number | 20022004915 |
| Last Transfer Date | Feb 13, 2015 |
| Transfer Doc | 1500001334 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 348 Payne Rd was $1,641, up 10.4% from the year before.
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 | $1,641.00 (+10.43%) | $309,600 Land $83,000 Building $226,600 | $309,600 Land $83,000 Building $226,600 |
| 2025 | $1,486.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 348 Payne Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
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 |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2003 · river or lake flooding |
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 risk around 348 Payne Rd is low, with a 0.03% 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 | 0.03% 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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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