574 Koa Dr, Front Royal, VA 22630 Property Records

Warren County property record for 574 Koa Dr, Front Royal, VA 22630

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,017 sqft · built 1960
Lot Size	13.1 acres (574,556 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,287 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28/93/A`

Property Details

APN / Parcel Number

Primary APN	`28/93/A`
Alternative APN	`20474`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,017 sqft Living Area
Gross Area	3,956 sqft
1st Floor Area	1,131 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1994
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	574,556 sqft (13.1 acres)
Terrain	Rolling
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	340 sqft
Deck Area	Deck Area
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	20474
Old Parcel Number	28 93A
Street Address	574 KOA DR
City	FRONT ROYAL
State	VA
Zip	22630-5032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	SURV DONALD L ROBERTS PORTION OF
Legal Subdivision	SOUTH RIVER-COUNTY
Jurisdiction	WARREN VA
Township / Civil Division	SOUTH RIVER
Census Block Group	1
Census Block	1004
Census Tract	20700

Owner

Source: Warren County records, as of August 27, 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	574 KOA DR, FRONT ROYAL, VA 22630-5032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage NAVY FCU
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 5, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	574 KOA DR, FRONT ROYAL, VA 22630-5032
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250005521
Date	Nov 20, 2025
Instrument	250005521

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	574 KOA DR, FRONT ROYAL, VA 22630-5032
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210006696
Date	Jul 30, 2021
Instrument	210006696

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	574 KOA DR, FRONT ROYAL, VA 22630-5032
Transaction Type	Mortgage
Record Updated	Apr 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190001475
Date	Apr 5, 2019
Instrument	190001475

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 4, 2029

Tax Assessment & Valuation

Source: Warren County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,287.00 (+18.79%)	$577,800 (-) Land $245,000 Building $332,800
2025	$2,767.00 (+32.84%)	$577,800 (+35.86%) Land $245,000 Building $332,800	$577,800 (+35.86%) Land $245,000 Building $332,800
2024	$2,083.00	$425,300 (-) Land $155,000 Building $270,300	$425,300 (-) Land $155,000 Building $270,300
2023		$425,300 Land $155,000 Building $270,300	$425,300 Land $155,000 Building $270,300
2022	$2,083.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	10 (1985–1996)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims

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

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

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRONT ROYAL serves 15,000 people · EPA ID VA2187406
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T.

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