348 Pine Shores Dr, Front Royal, VA 22630 Property Records

Warren County property record for 348 Pine Shores Dr, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,160 sqft · built 1997
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jun 2026)
Tax Bill	$2,611 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13/C/4/4/751`

Property Details

APN / Parcel Number

Primary APN	`13/C/4/4/751`
Alternative APN	`2954`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,160 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Unfinished Basement	1,080 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Terrain	Rolling
Porch	Slab
Porch Area	320 sqft
Deck Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	2954
Old Parcel Number	13C 4 4 751
Street Address	348 PINE SHORES DR
City	FRONT ROYAL
State	VA
Zip	22630-6581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	L751 SHEN SHORES SEC 4
Legal Subdivision	SHENANDOAH SHORES SAN DIST
Jurisdiction	WARREN VA
Township / Civil Division	SHENANDOAH
Census Block Group	1
Census Block	1010
Census Tract	20601

Owner

348 Pine Shores Dr is owned and occupied by two individuals who bought it in June 2026.

Source: Warren County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	348 PINE SHORES DR, FRONT ROYAL, VA 22630-6581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Dec 21, 2023	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit TIME BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Dec 21, 2023 · Amount on File
Deed Document Number	20263277
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN VA
Recording Date	Jun 30, 2026
Property Address	348 PINE SHORES DR, FRONT ROYAL, VA 22630-6581
Document Number	0000003277
Instrument Date	Jun 26, 2026
Instrument	20263277
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	TITLE GUARANTY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,975.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 PINE SHORES DR, FRONT ROYAL, VA 22630-6581

Mortgage

Document Number	0000003278,
Date	Jun 30, 2026
Instrument	20263278

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	Dec 21, 2023
Property Address	348 PINE SHORES DR, FRONT ROYAL, VA 22630-6581
Document Number	0230005390
Map Reference	MB 1 PG 207
Instrument Date	Dec 20, 2023
Instrument	230005390
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	CLEAR TITLE ESCROW AND SETTLEMEN, CLEAR TTL ESCROW & STLMTS LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	348 PINE SHORES DR, FRONT ROYAL, VA 22630-6581

Mortgage

Document Number	0230005391
Date	Dec 21, 2023
Instrument	230005391

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	348 PINE SHORES DR, FRONT ROYAL, VA 22630-6581
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 W TALCOTT RD, PARK RIDGE, IL 60068-4721

Mortgage

Document Number	0230003300
Date	Jul 31, 2023
Instrument	230003300

Lender

Name	TIME BANK
Type	Bank
Address	PARK RIDGE, IL 60068

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 348 Pine Shores Dr was $2,611, up 18.8% from the year before.

Source: Warren County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,611.00 (+18.79%)	$459,000 (-) Land $44,300 Building $414,700
2025	$2,198.00 (+12.66%)	$459,000 (+15.24%) Land $44,300 Building $414,700	$459,000 (+15.24%) Land $44,300 Building $414,700
2024	$1,951.00	$398,300 (-) Land $51,800 Building $346,500	$398,300 (-) Land $51,800 Building $346,500
2023		$398,300 Land $51,800 Building $346,500	$398,300 Land $51,800 Building $346,500
2022	$1,951.00

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

Flood

FEMA maps place 348 Pine Shores Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	103 (1979–2018)
Claims Outside the SFHA	18 of 103
Most Recent Claim	Jun 2018 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 12 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 26 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 25 claims

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

Wildfire risk around 348 Pine Shores Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 60% of Virginia
Wildfire Likelihood	0.05% 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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