Frederick County property record for 401 Whitham Dr, Gore, VA 22637
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,151 sqft · built 2004 |
| Lot Size | 2.88 acres (125,453 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Nov 2025) |
| Tax Bill | $3,050 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 262-3-32 |
| Primary APN | 262-3-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,151 sqft Living Area |
| Gross Area | 5,922 sqft |
| 1st Floor Area | 1,426 sqft |
| Basement Area | 1,246 sqft |
| Finished Basement | 1,246 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 125,453 sqft (2.88 acres) |
| Terrain | Rolling |
| Garage Area | 612 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 366 sqft |
| Deck Area | 238 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8035675 |
|---|---|
| Street Address | 401 WHITHAM DR |
| City | GORE |
| State | VA |
| Zip | 22637-2254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LAKE ISAAC EST L32 S3 2.88 ACRES |
| Legal Subdivision | LAKE ISAAC EST |
| Legal Lot Number | 32 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 50402 |
401 Whitham Dr is owned and occupied by two individuals who bought it in November 2025.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 WHITHAM DR, GORE, VA 22637-2254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Nov 17, 2025 | Deed, Transfer · Conventional Mortgage TOMO MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2025 · Amount on File |
| Deed Sale | Nov 17, 2025 · Amount on File |
| Prior Sale | Apr 11, 2003 · Amount on File |
| Deed Document Number | 202511534 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 401 WHITHAM DR, GORE, VA 22637-2254 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000020441 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 210020441 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Nov 17, 2025 |
| Property Address | 401 WHITHAM DR, GORE, VA 22637-2254 |
| Document Number | 0000011534 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 250011534 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | VESTA SETTLEMENTS LLC, VESTA SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 401 WHITHAM DR, GORE, VA 22637-2254 |
| Document Number | 0000011536 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 250011536 |
| Name | TOMO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
The 2026 property tax bill for 401 Whitham Dr was $3,050, 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 | $3,050.00 (+10.43%) | $575,480 (-) Land $109,900 Building $465,580 | $575,480 (-) Land $109,900 Building $465,580 |
| 2025 | $2,762.00 (+107.83%) | $575,480 Land $109,900 Building $465,580 | $575,480 Land $109,900 Building $465,580 |
| 2024 | $1,329.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Whitham 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 February 3, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2024–2025) |
| Most Recent Claim | May 2025 · 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 401 Whitham Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 58% 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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