Warren County property record for 445 Cardinal Dr, Front Royal, VA 22630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 912 sqft · built 1986 |
| Lot Size | 0.712 acres (31,015 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,462 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 39/B/1/24 |
| Primary APN | 39/B/1/24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 1,446 sqft |
| 1st Floor Area | 912 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 31,015 sqft (0.712 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 54 sqft |
| Deck Area | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 23419 |
|---|---|
| Old Parcel Number | 39B 1 24 |
| Street Address | 445 CARDINAL DR |
| City | FRONT ROYAL |
| State | VA |
| Zip | 22630-5925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 24 POINT-O-WOODS SHEET 1 |
| Legal Subdivision | POINT-O-WOODS |
| Legal Lot Number | 24 |
| Jurisdiction | WARREN VA |
| Township / Civil Division | HAPPY CREEK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20602 |
Source: Warren County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 445 CARDINAL DR, FRONT ROYAL, VA 22630-5925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Nov 8, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 445 CARDINAL DR, FRONT ROYAL, VA 22630-5925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Title Company | QUALITY TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 210000707 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 210000707 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | STRASBURG, VA 22657 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 445 CARDINAL DR, FRONT ROYAL, VA 22630-5925 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2019 |
| Name | Verified Name |
|---|
| Document Number | 190005900 |
|---|---|
| Date | Nov 8, 2019 |
| Instrument | 190005900 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | STRASBURG, VA 22657 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Warren County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Warren County |
| Unified School District | Warren County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,462.00 (+18.77%) | $256,950 (-0.02%) Land $51,750 Building $205,200 | |
| 2025 | $1,231.00 (+17.57%) | $257,000 (+20.21%) Land $51,800 Building $205,200 | $256,950 (+20.18%) Land $51,750 Building $205,200 |
| 2024 | $1,047.00 | $213,800 (-) Land $51,800 Building $162,000 | $213,800 (-) Land $51,800 Building $162,000 |
| 2023 | $213,800 Land $51,800 Building $162,000 | $213,800 Land $51,800 Building $162,000 | |
| 2022 | $1,047.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 6 (1996) |
| Most Recent Claim | Sep 1996 · Hurricane Fran And Associated Severe Storm Cond |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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