431 Saddleback Ln, Winchester, VA 22602 Property Records

Frederick County property record for 431 Saddleback Ln, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,651 sqft · built 2000
Lot Size	8.41 acres (366,340 sqft)
Owner	2 Individual Names on File
Last Sale	$548,600 (Oct 2021)
Tax Bill	$5,021 (2026)
Deeds & Mortgages	Oct 2021 Transfer May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`723-11`

Property Details

APN / Parcel Number

Primary APN	`723-11`
Alternative APN	`8035303`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,651 sqft Living Area
Gross Area	6,732 sqft
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Finished Basement	1,380 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2017
Exterior Material	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	366,340 sqft (8.41 acres)
Terrain	Rolling
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	176 sqft
Deck Area	92 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8035303
Street Address	431 SADDLEBACK LN
City	WINCHESTER
State	VA
Zip	22602-2890
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SHERIDANS MISS L11 8.41 ACRES
Legal Subdivision	SHERIDANS MISS
Legal Lot Number	11
Jurisdiction	FREDERICK VA
Township / Civil Division	BACK CREEK
Census Block Group	1
Census Block	1012
Census Tract	50600

Owner

431 Saddleback Ln is owned and occupied by two individuals who bought it in October 2021.

Source: Frederick County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	431 SADDLEBACK LN, WINCHESTER, VA 22602-2890
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
Oct 6, 2021	Intrafamily Transfer, Transfer
May 14, 2021	Warranty Deed, Transfer NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	May 14, 2021 · Amount on File
Deed Document Number	202116961
Deed Book / Page	472
Prior Transfer Date	Oct 1, 2021
Prior Transfer Doc	0000016961
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Oct 6, 2021
Property Address	431 SADDLEBACK LN, WINCHESTER, VA 22602-2890
Document Number	0000016961
Instrument Date	Oct 1, 2021
Instrument	210016961
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SADDLEBACK LN, WINCHESTER, VA 22602-2890

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	May 14, 2021
Property Address	431 SADDLEBACK LN, WINCHESTER, VA 22602-2890
Document Number	0000008136
Instrument Date	May 11, 2021
Instrument	210008136
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SADDLEBACK LN, WINCHESTER, VA 22602-2890

Tax Assessment & Valuation

The 2026 property tax bill for 431 Saddleback Ln was $5,021, up 10.4% from the year before.

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	$5,021.00 (+10.4%)	$947,420 Land $137,500 Building $809,920	$947,420 Land $137,500 Building $809,920
2025	$4,548.00

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

Flood

FEMA maps place 431 Saddleback Ln 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	1 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 Saddleback Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 65% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Saddleback Ln

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