425 Prospect St, Front Royal, VA 22630 Property Records

Warren County property record for 425 Prospect St, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,120 sqft · built 1989
Lot Size	0.091 acres (3,964 sqft)
Owner	Individual Name on File
Last Sale	$226,200 (Jun 2024)
Tax Bill	$1,351 (2026)
Deeds & Mortgages	Sep 2023 Sale Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20/A8/40/6/A`

Property Details

APN / Parcel Number

Primary APN	`20/A8/40/6/A`
Alternative APN	`26108`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,120 sqft Living Area
Gross Area	1,784 sqft
1st Floor Area	560 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,964 sqft (0.091 acres)
Terrain	Rolling
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	26108
Old Parcel Number	20A840 6A
Street Address	425 PROSPECT ST
City	FRONT ROYAL
State	VA
Zip	22630-3072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	L6A CHAS E LLEWELLYN RESUB PARCELS A & B
Legal Subdivision	CHAS E LLEWELLYN RESUB
Jurisdiction	WARREN VA
Township / Civil Division	SOUTH RIVER
Census Block Group	4
Census Block	4006
Census Tract	20500

Owner

425 Prospect St is owned and occupied by an individual who bought it in June 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	425 PROSPECT ST, FRONT ROYAL, VA 22630-3072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed, Transfer NOT AVAILABLE, SERVICES TTL OF FRONT ROYAL
Dec 17, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jun 22, 2020	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2024 · Amount on File
Deed Sale	Jun 4, 2024 · Amount on File
Prior Sale	Sep 25, 2023 · Amount on File
Deed Document Number	20242187
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	Sep 25, 2023
Property Address	425 PROSPECT ST, FRONT ROYAL, VA 22630-3072
Document Number	0230004171
Map Reference	MB 424 PG 849
Instrument Date	Sep 20, 2023
Instrument	230004171
Transaction Type	Transfer
Record Updated	Oct 9, 2023
Title Company	NOT AVAILABLE, SERVICES TTL OF FRONT ROYAL

Transaction

Amount	Amount on Record
Tax	$107.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15509 THOROUGHFARE RD, GAINESVILLE, VA 20155-1863

December 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WARREN VA
Recording Date	Dec 17, 2021
Property Address	425 PROSPECT ST, FRONT ROYAL, VA 22630-3072
Document Number	0210010735
Map Reference	MB 424 PG 849
Instrument Date	Dec 14, 2021
Instrument	210010735
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	ATG TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	425 PROSPECT ST, FRONT ROYAL, VA 22630-3072

Mortgage

Document Number	0210010736
Date	Dec 17, 2021
Instrument	210010736

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	425 PROSPECT ST, FRONT ROYAL, VA 22630-3072
Transaction Type	Mortgage
Record Updated	Jul 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200003730
Date	Jun 22, 2020
Instrument	200003730

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 425 Prospect St was $1,351, up 18.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,351.00 (+18.72%)	$237,600 (-) Land $39,600 Building $198,000
2025	$1,138.00 (+23.97%)	$237,600 (+26.79%) Land $39,600 Building $198,000	$237,600 (+26.79%) Land $39,600 Building $198,000
2024	$918.00	$187,400 (-) Land $28,800 Building $158,600	$187,400 (-) Land $28,800 Building $158,600
2023		$187,400 Land $28,800 Building $158,600	$187,400 Land $28,800 Building $158,600
2022	$918.00

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

Flood

FEMA maps place 425 Prospect St 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
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (1984–2011)
Most Recent Claim	Apr 2011 · 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

Wildfire risk around 425 Prospect St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRONT ROYAL serves 15,000 people · EPA ID VA2187406
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Brightspeed Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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