497 Back Mountain Rd, Winchester, VA 22602 Property Records

Frederick County property record for 497 Back Mountain Rd, Winchester, VA 22602 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,740 sqft · built 1933
Lot Size	4.29 acres (186,872 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,536 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40A-115`

Property Details

APN / Parcel Number

Primary APN	`40A-115`
Alternative APN	`8007321`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	3,692 sqft
1st Floor Area	1,380 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1971
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	186,872 sqft (4.29 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,050 sqft
Porch	Porch
Porch Area	226 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8007321
Street Address	497 BACK MOUNTAIN RD
City	WINCHESTER
State	VA
Zip	22602-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.29 ACRES
Legal Subdivision	1
Jurisdiction	FREDERICK VA
Township / Civil Division	BACK CREEK
Census Block Group	2
Census Block	2010
Census Tract	50402

Owner

Source: Frederick County records · APN 40A-115

Assessment roll updated July 9, 2026 · Last verified August 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 File
Mailing Address	497 BACK MOUNTAIN RD, WINCHESTER, VA 22602-1619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Sep 11, 2020	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 29, 2015
Transfer Doc	1500007409
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	497 BACK MOUNTAIN RD, WINCHESTER, VA 22602-1619
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011503
Date	Nov 14, 2025
Instrument	250011503

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2045

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 11, 2020
Property Address	497 BACK MOUNTAIN RD, WINCHESTER, VA 22602-1619
Document Number	0000012323
Instrument Date	Sep 10, 2020
Instrument	12323
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	497 BACK MOUNTAIN RD WINCHESTER VA 226021619, WINCHESTER, VA 22602-1619

Mortgage

Document Number	12324
Date	Sep 11, 2020
Instrument	12324

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2050

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,536.00 (+10.42%)	$289,812 Land $107,700 Building $182,112	$289,812 Land $107,700 Building $182,112
2025	$1,391.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690504022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 66% of Virginia
Wildfire Likelihood	About 1 in 2,041 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, T-Mobile USA, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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