Frederick County property record for 495 Lodge Ln, Winchester, VA 22603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,804 sqft · built 1977 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,610 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 081-4-10A |
| Primary APN | 081-4-10A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 4,004 sqft |
| 1st Floor Area | 1,804 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Wooded |
| Porch | Porch |
| Porch Area | 228 sqft |
| Deck Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8000483 |
|---|---|
| Street Address | 495 LODGE LN |
| City | WINCHESTER |
| State | VA |
| Zip | 22603-1531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | RITTER MOUNTAIN L10A S4 5.00 ACRES |
| Legal Subdivision | RITTER MOUNTAIN |
| Legal Lot Number | 10 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 495 LODGE LN, WINCHESTER, VA 22603-1531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 495 LODGE LN, WINCHESTER, VA 22603-1531 |
| Document Number | 0000001980 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2018 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 495 LODGE LN WINCHESTER VA 226031531, WINCHESTER, VA 22603-1531 |
| Document Number | 0000001980 |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 1980 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 1, 2043 |
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 | $1,610.00 (+10.43%) | $303,740 Land $68,000 Building $235,740 | $303,740 Land $68,000 Building $235,740 |
| 2025 | $1,458.00 |
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 | 0.06% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Morgan Wireless Fixed Wireless · not low latency | 25 / 3 |
5G (outdoors only) and 4G LTE
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