604 Cardinal Dr, Winchester, VA 22602 Property Records

Frederick County property record for 604 Cardinal Dr, Winchester, VA 22602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,392 sqft · built 2009
Lot Size	0.24 acres (10,552 sqft)
Owner	Individual Name on File
Tax Bill	$1,328 (2026)
Deeds & Mortgages	Oct 2017 Sale & Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58A01Y-6-54`

Property Details

APN / Parcel Number

Primary APN	`58A01Y-6-54`
Alternative APN	`8016723`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Gross Area	2,208 sqft
1st Floor Area	672 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,552 sqft (0.24 acres)
Terrain	Rolling
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8016723
Street Address	604 CARDINAL DR
City	WINCHESTER
State	VA
Zip	22602-3564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	WILDE ACRES L54 BY S6
Legal Subdivision	WILDE ACRES
Legal Block	Y
Legal Lot Number	54
Jurisdiction	FREDERICK VA
Township / Civil Division	BACK CREEK
Census Block Group	3
Census Block	3013
Census Tract	50401

Owner

604 Cardinal Dr is owned and occupied by an individual.

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	604 CARDINAL DR, WINCHESTER, VA 22602-3564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2017	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MTG
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 25, 2017
Property Address	604 CARDINAL DR, WINCHESTER, VA 22602-3564
Document Number	0000011165
Instrument Date	Oct 23, 2017
Instrument	11165
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	DIRECT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CARDINAL DR WINCHESTER VA 226023564, WINCHESTER, VA 22602-3564

Mortgage

Document Number	11167
Date	Oct 25, 2017
Instrument	11167

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Oct 24, 2020

Mortgage

Document Number	11166,
Date	Oct 25, 2017
Instrument	11166

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	604 CARDINAL DR, WINCHESTER, VA 22602-3564
Document Number	0000011167
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	DIRECT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CARDINAL DR WINCHESTER VA 226023564, WINCHESTER, VA 22602-3564

Mortgage

Document Number	0000011167
Date	Oct 25, 2017
Instrument	11167

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Oct 24, 2020

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	604 CARDINAL DR, WINCHESTER, VA 22602-3564
Document Number	0000001551
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 26, 2018
Title Company	DIRECT TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2113 VALLEY AVE WINCHESTER VA 226012753, WINCHESTER, VA 22601-2753

Mortgage

Document Number	0000001551
Date	Feb 20, 2018
Instrument	1551

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 604 Cardinal Dr was $1,328, 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	$1,328.00 (+10.39%)	$250,600 Land $58,000 Building $192,600	$250,600 Land $58,000 Building $192,600
2025	$1,203.00

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

Flood

FEMA maps place 604 Cardinal Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 604 Cardinal Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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