Frederick County property record for 446 Peeper Ln, Winchester, VA 22603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,655 sqft · built 2004 |
| Lot Size | 7.46 acres (324,958 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $96,000 (Aug 2003) |
| Tax Bill | $2,931 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22A-19J |
| Primary APN | 22A-19J |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,655 sqft Living Area |
| Gross Area | 5,893 sqft |
| 1st Floor Area | 1,562 sqft |
| Basement Area | 1,562 sqft |
| Unfinished Basement | 1,562 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 324,958 sqft (7.46 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 350 sqft |
| Deck Area | 545 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8040046 |
|---|---|
| Street Address | 446 PEEPER LN |
| City | WINCHESTER |
| State | VA |
| Zip | 22603-2574 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 11 FROG HOLLOW ESTATES 7.46 ACRES |
| Legal Subdivision | FROG HOLLOW ESTATES |
| Legal Lot Number | 11 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 446 PEEPER LN, WINCHESTER, VA 22603-2574 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2003 · Amount on Record |
| Deed Sale | Aug 29, 2003 · Amount on Record |
| Deed Book / Page | 300 / 19624 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 9, 2026 |
| Property Address | 446 PEEPER LN, WINCHESTER, VA 22603-2574 |
| Document Number | 0000006972 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20266972 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 446 PEEPER LN, WINCHESTER, VA 22603-2574 |
| Document Number | 0000006972, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 20266972 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2056 |
| Rate | 7.45% |
|---|---|
| Max Rate | -1% |
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,931.00 (+10.44%) | $553,000 Land $137,900 Building $415,100 | $553,000 Land $137,900 Building $415,100 |
| 2025 | $2,654.00 |
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 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 | 5 in force |
| Nearby Flood Claims | 6 (1996–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Jun 2018 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 71% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: T-Mobile.
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