511 Chatham Sq, Winchester, VA 22601 Property Records

Frederick County property record for 511 Chatham Sq, Winchester, VA 22601

Property Summary

Property Type	Townhouse
Details	3 bd · 1.5 ba · 1,214 sqft · built 1999
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$128,500 (Oct 2009)
Tax Bill	$1,298 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54L2-198`

Property Details

APN / Parcel Number

Primary APN	`54L2-198`
Alternative APN	`8034748`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,214 sqft Living Area
Gross Area	2,277 sqft
1st Floor Area	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Terrain	Rolling
Deck Area	57 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8034748
Street Address	511 CHATHAM SQ
City	WINCHESTER
State	VA
Zip	22601-5746
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RP
Legal Description	HUNTINGTON MEADOWS L198S2
Legal Subdivision	HUNTINGTON MEADOWS
Legal Lot Number	198
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	2
Census Block	2027
Census Tract	51102

Owner

511 Chatham Sq, a townhouse, is owned and occupied by an individual who bought it in October 2009.

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

Owner of Record	Individual Name on File
Mailing Address	511 CHATHAM SQ, WINCHESTER, VA 22601-5746
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
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 24, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2009 · Amount on File
Deed Sale	Oct 23, 2009 · Amount on File
Prior Sale	Aug 20, 2004 · Amount on File
Deed Book / Page	900 / 11701
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	511 CHATHAM SQ, WINCHESTER, VA 22601-5746
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHATHAM SQ, WINCHESTER, VA 22601-5746

Mortgage

Document Number	0000012010
Date	Nov 26, 2025
Instrument	250012010

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	511 CHATHAM SQ, WINCHESTER, VA 22601-5746
Document Number	0000000432
Instrument Date	Dec 24, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHATHAM SQ WINCHESTER VA 226015746, WINCHESTER, VA 22601-5746

Mortgage

Document Number	0000000432
Date	Jan 16, 2019
Instrument	432

Lender

Name	BRANCH BK&TR
Type	Bank
Address	RICHMOND, VA 23219-4079

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 511 Chatham Sq was $1,298, 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	$1,298.00 (+10.37%)	$244,940 Land $68,000 Building $176,940	$244,940 Land $68,000 Building $176,940
2025	$1,176.00

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

Flood

FEMA maps place 511 Chatham Sq in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	11 (1978–2001)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Aug 2001 · 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 511 Chatham Sq is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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