495 McCubbin Rd, Winchester, VA 22603 Property Records

Frederick County property record for 495 McCubbin Rd, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,060 sqft · built 2002
Lot Size	9.89 acres (430,808 sqft)
Owner	Individual Name on File
Tax Bill	$3,634 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15A-2`

Property Details

APN / Parcel Number

Primary APN	`15A-2`
Alternative APN	`8001109`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,060 sqft Living Area
Gross Area	8,064 sqft
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	430,808 sqft (9.89 acres)
Terrain	Rolling
Porch	Porch
Porch Area	1,104 sqft
Deck Area	1,056 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8001109
Street Address	495 MCCUBBIN RD
City	WINCHESTER
State	VA
Zip	22603-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	9.89 ACRES
Legal Subdivision	2
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1048
Census Tract	50300

Owner

495 McCubbin Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	495 MCCUBBIN RD, WINCHESTER, VA 22603-2153
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
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 27, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 31, 2018	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	495 MCCUBBIN RD, WINCHESTER, VA 22603-2153
Document Number	0000008697
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 MCCUBBIN RD WINCHESTER VA 226032153, WINCHESTER, VA 22603-2153

Mortgage

Document Number	0000008697
Date	Jul 10, 2020
Instrument	8697

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	495 MCCUBBIN RD, WINCHESTER, VA 22603-2153
Document Number	0000007459
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 MCCUBBIN RD WINCHESTER VA 226032153, WINCHESTER, VA 22603-2153

Mortgage

Document Number	0000007459
Date	Aug 1, 2018
Instrument	7459

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 31, 2018
Property Address	495 MCCUBBIN RD, WINCHESTER, VA 22603-2153
Document Number	0000000973
Instrument Date	Jan 31, 2018
Instrument	973
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	TITLE RESOURCES GUARANTY COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	495 MCCUBBIN RD WINCHESTER VA 226032153, WINCHESTER, VA 22603-2153

Mortgage

Document Number	974
Date	Jan 31, 2018
Instrument	974

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 495 McCubbin Rd was $3,634, 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	$3,634.00 (+10.42%)	$685,710 Land $126,900 Building $558,810	$685,710 Land $126,900 Building $558,810
2025	$3,291.00

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

Flood

FEMA maps place 495 McCubbin Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

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.

Wildfire

Wildfire risk around 495 McCubbin Rd 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 6 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

Cell Coverage

No cell data coverage reported

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