421 Whitlock Ln, Gore, VA 22637 Property Records

Frederick County property record for 421 Whitlock Ln, Gore, VA 22637

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,125 sqft · built 2007
Lot Size	6.83 acres (297,515 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,412 (2026)
Deeds & Mortgages	Jun 2022 Refinance Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26A-53A`

Property Details

APN / Parcel Number

Primary APN	`26A-53A`
Alternative APN	`8045688`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,125 sqft Living Area
Gross Area	5,335 sqft
1st Floor Area	2,098 sqft
Basement Area	2,098 sqft
Finished Basement	2,098 sqft
Unfinished Basement	2,098 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	297,515 sqft (6.83 acres)
Terrain	Rolling
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	720 sqft
Porch	Porch
Porch Area	210 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8045688
Street Address	421 WHITLOCK LN
City	GORE
State	VA
Zip	22637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	6.83 ACRES
Legal Subdivision	1
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1096
Census Tract	50402

Owner

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	PO BOX 384, GORE, VA 22637-0384
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC
Aug 6, 2019	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jun 27, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 10, 2022
Transfer Doc	0000007656
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	421 WHITLOCK LN, GORE, VA 22637
Transaction Type	Mortgage
Record Updated	Jul 6, 2022
Title Company	RETAIL TITLE SOLUTIONS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007657
Date	Jun 15, 2022
Instrument	220007657

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.63%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	421 WHITLOCK LN, GORE, VA 22637
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007889
Date	Aug 6, 2019
Instrument	190007889

Lender

Name	FIRST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Jun 27, 2017
Property Address	421 WHITLOCK LN, GORE, VA 22637
Document Number	0000006433
Instrument Date	Jun 21, 2017
Instrument	170006433
Transaction Type	Transfer
Record Updated	May 28, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WHITLOCK LN, GORE, VA 22637

Mortgage

Document Number	0000006434
Date	Jun 27, 2017
Instrument	170006434

Lender

Name	CBC NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,412.00 (+10.42%)	$643,800 Land $122,200 Building $521,600	$643,800 Land $122,200 Building $521,600
2025	$3,090.00

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

Flood

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	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

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

Wildfire Risk	Low lower than 66% of the US · above 56% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Verizon.

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