431 Bellview Ave, Winchester, VA 22601 Property Records

Winchester City property record for 431 Bellview Ave, Winchester, VA 22601

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,654 sqft · built 1960
Lot Size	0.235 acres (10,237 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Mar 2015)
Tax Bill	$3,380 (2026)
Deeds & Mortgages	Apr 2017 Mortgage May 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`231-01-25`

Property Details

APN / Parcel Number

Primary APN	`231-01-25`
Alternative APNs	`2305` `2556`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,654 sqft Living Area
1st Floor Area	915 sqft
Basement Area	915 sqft
Finished Basement	545 sqft
Unfinished Basement	370 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,237 sqft (0.235 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	128 sqft
Balcony Area	31 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2305
Street Address	431 BELLVIEW AVE
City	WINCHESTER
State	VA
Zip	22601-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	L-11 WEST 1/2 OF S S 431 BELLVIEW AVENUE
Legal Subdivision	HANOVER LODGE
Legal Lot Number	11
Jurisdiction	WINCHESTER CITY VA
Township / Civil Division	WINCHESTER
Census Block Group	4
Census Block	4018
Census Tract	202

Owner

431 Bellview Ave is owned and occupied by an individual who bought it in March 2015.

Source: Winchester City records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 5, 2017	Deed of Trust, Mortgage · FHA Mortgage STONEGATE MORTGAGE CORP
May 5, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Sep 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOUDOUN CU
Aug 13, 2012	Deed of Trust, Mortgage · Reverse Mortgage UNITY MORTGAGE CORP
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOUDOUN CREDIT UNION
Mar 11, 2015	Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Feb 24, 2014	Trustee's Deed, Foreclosure WASHINGTONFIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2015 · Amount on File
Deed Sale	Mar 11, 2015 · Amount on File
Prior Sale	Feb 24, 2014 · Amount on File
Deed Document Number	2015450
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170000704
Date	Apr 5, 2017
Instrument	170000704

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103

Mortgage

Document Number	0210001496
Date	May 5, 2021
Instrument	210001496

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250002081
Date	Sep 22, 2025
Instrument	250002081

Lender

Name	LOUDOUN CU
Type	Credit Union
Address	LEESBURG, VA 20175

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	173 Months
Due	Feb 15, 2040

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120002234
Date	Aug 13, 2012
Instrument	120002234

Lender

Name	UNITY MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	749 Months
Due	Jan 25, 2075

Interest

Rate Type	Adjustable Rate
Rate	6.82%
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	16.8%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Recording Date	Aug 5, 2026
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Document Number	0000001661
Instrument Date	Sep 29, 2025
Instrument	20261661
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103

Mortgage

Document Number	0000001661,
Date	Aug 5, 2026
Instrument	20261661

Lender

Name	LOUDOUN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	170 Months
Due	Oct 15, 2040

Interest

Rate Type	Fixed Rate
Rate	6.56%
Initial Type	Fixed Rate
Max Rate	-1%

March 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Mar 11, 2015
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Document Number	150000450
Instrument Date	Mar 6, 2015
Instrument	150000450
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	CHAMPION TITLE & SETTLEMENTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103

Mortgage

Document Number	0150000451
Date	Mar 11, 2015
Instrument	150000451

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Non-Lending Institution
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2045

February 2014: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Feb 24, 2014
Property Address	431 BELLVIEW AVE, WINCHESTER, VA 22601-3103
Document Number	0140000390
Instrument Date	Feb 6, 2014
Instrument	140000390
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11654 PLAZA AMERICA DR # 653, RESTON, VA 20190-4700
Investor	Possibly a Property Investor

Mortgage

Document Number	0140000391
Date	Feb 24, 2014
Instrument	140000391

Lender

Name	WASHINGTONFIRST BANK

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 431 Bellview Ave was $3,380.

Source: Winchester City assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Winchester City
Unified School District	Winchester City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,380.00	$425,100 Land $75,000 Building $350,100
2025	$3,380.00		$425,100 Land $75,000 Building $350,100
2023	$3,115.00 (+20.27%)	$375,400 Land $75,000 Building $300,400	$375,400 Land $75,000 Building $300,400
2022	$2,590.00

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

Flood

FEMA maps place 431 Bellview Ave in Zone X, an area of minimal flood risk.

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

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 431 Bellview Ave is low, with less than 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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 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	FREDERICK WATER serves 46,206 people · EPA ID VA2069250
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 389 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 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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