435 Mosby St, Winchester, VA 22601 Property Records

Winchester City property record for 435 Mosby St, Winchester, VA 22601

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,604 sqft · built 1956
Lot Size	0.19 acres (8,259 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jun 2025)
Tax Bill	$3,638 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`231-03-23`

Property Details

APN / Parcel Number

Primary APN	`231-03-23`
Alternative APNs	`2249` `2494`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Hardwood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,259 sqft (0.19 acres)
Lot Dimensions	118 ft deep x 70 ft wide
Terrain	Rolling
Porch	Slab
Porch Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2249
Street Address	435 MOSBY ST
City	WINCHESTER
State	VA
Zip	22601-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	TOAN & YOST SD L-23 S S 435 MOSBY STREET
Legal Subdivision	TOAN & YOST
Legal Lot Number	23
Jurisdiction	WINCHESTER CITY VA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3004
Census Tract	202

Owner

435 Mosby St is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	435 MOSBY ST, WINCHESTER, VA 22601-3124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jun 23, 2022	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 29, 2020	Intrafamily Transfer, Transfer
Oct 18, 2018	Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Oct 2, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on File
Deed Sale	Jun 10, 2025 · Amount on File
Prior Sale	Jun 23, 2022 · Amount on File
Deed Document Number	20251254
Prior Transfer Date	Jun 26, 2020
Prior Transfer Doc	0000001590
Record Updated	Sep 20, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Jun 23, 2022
Property Address	435 MOSBY ST, WINCHESTER, VA 22601-3124
Document Number	0220001552
Map Reference	MB 83 PG 590
Instrument Date	Jun 22, 2022
Instrument	220001552
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	DOUBLE EAGLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.50
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 by the Entirety
Address	435 MOSBY ST, WINCHESTER, VA 22601-3124

Mortgage

Document Number	0220001555
Date	Jun 23, 2022
Instrument	220001555

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINCHESTER CITY VA
Recording Date	Jun 29, 2020
Property Address	435 MOSBY ST, WINCHESTER, VA 22601-3124
Document Number	200001590
Map Reference	MB 83 PG 590
Instrument Date	Jun 26, 2020
Instrument	200001590
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	435 MOSBY ST, WINCHESTER, VA 22601-3124

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Oct 18, 2018
Property Address	435 MOSBY ST, WINCHESTER, VA 22601-3124
Document Number	180002263
Map Reference	DOC170002249
Instrument Date	Oct 18, 2018
Instrument	180002263
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	RGS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 MOSBY ST, WINCHESTER, VA 22601-3124

Mortgage

Document Number	180002264
Date	Oct 18, 2018
Instrument	180002264

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Oct 2, 2017
Property Address	435 MOSBY ST, WINCHESTER, VA 22601-3124
Document Number	170002249
Map Reference	DD 83 PG 590
Instrument Date	Sep 29, 2017
Instrument	170002249
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Tax	$229.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 435 Mosby St was $3,638.

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	$3,638.00	$457,600 Land $90,000 Building $367,600
2025	$3,638.00		$457,600 Land $90,000 Building $367,600
2023	$3,377.00 (+21.04%)	$406,900 Land $90,000 Building $316,900	$406,900 Land $90,000 Building $316,900
2022	$2,790.00

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

Flood

FEMA maps place 435 Mosby St 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

The area around 435 Mosby St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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