631 Watson Ave, Winchester, VA 22601 Property Records

Winchester City property record for 631 Watson Ave, Winchester, VA 22601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,188 sqft · built 1941
Lot Size	0.07 acres (3,119 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2020)
Tax Bill	$1,743 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`154-03-5B`

Property Details

APN / Parcel Number

Primary APN	`154-03-5B`
Alternative APNs	`4669` `5198`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	594 sqft
Finished Basement	500 sqft
Unfinished Basement	94 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	3,119 sqft (0.07 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4669
Street Address	631 WATSON AVE
City	WINCHESTER
State	VA
Zip	22601-5326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	ORCHARD TERR/PLUMLY DEV L-5 S 1/2 W S 631 WATSON AVENUE
Legal Subdivision	ORCHARD TERR
Legal Lot Number	5
Jurisdiction	WINCHESTER CITY VA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2002
Census Tract	102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Douglas School listed 2000 · 1 contributing resources · NRIS 00000558

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

631 Watson Ave is owned and occupied by an individual who bought it in March 2020.

Source: Winchester City records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
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 13, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICE LINK LP, SERVICE LINK
Oct 7, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Mar 18, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jun 6, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Mar 3, 2020	Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
Dec 26, 2018	Special Warranty Deed, Transfer JDM TITLE LLC
Nov 8, 2018	Quit Claim Deed, Transfer SERVICELINK TITLE COMPANY D, SERVICELINK A BKFS COMPANY
Aug 10, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	2020527
Prior Transfer Date	Oct 1, 2018
Prior Transfer Doc	0000002415
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Recording Date	Jul 13, 2026
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Document Number	0000001473
Instrument Date	Jun 11, 2026
Instrument	20261473
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	SERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 WATSON AVE, WINCHESTER, VA 22601-5326

Mortgage

Document Number	0000001473,
Date	Jul 13, 2026
Instrument	20261473

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	297 Months
Due	Apr 1, 2051

Interest

Rate	6.36%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 WATSON AVE, WINCHESTER, VA 22601-5326

Mortgage

Document Number	0250002220
Date	Oct 7, 2025
Instrument	250002220

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	306 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000890
Date	Mar 18, 2021
Instrument	210000890

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CITY VA
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 WATSON AVE, WINCHESTER, VA 22601-5326

Mortgage

Document Number	0230000968
Date	Jun 6, 2023
Instrument	230000968

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Apr 1, 2051

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Mar 3, 2020
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Document Number	0200000527
Map Reference	MB 73 PG 474
Instrument Date	Mar 2, 2020
Instrument	200000527
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	631 WATSON AVE, WINCHESTER, VA 22601-5326

Mortgage

Document Number	0200000528
Date	Mar 3, 2020
Instrument	200000528

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Dec 26, 2018
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Document Number	0180002700
Map Reference	DD 73 PG 474
Instrument Date	Dec 13, 2018
Instrument	180002700
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	JDM TITLE LLC

Transaction

Amount	Amount on Record
Tax	$91.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15480 LAGUNA CANYON RD # RD100, RD100, IRVINE, CA 92618-2132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 RURITAN CIR, STERLING, VA 20164-9313
Investor	Possibly a Property Investor

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Nov 8, 2018
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Document Number	0180002415
Map Reference	MB 73 PG 474
Instrument Date	Oct 1, 2018
Instrument	180002415
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK A BKFS COMPANY

Transaction

Tax	$91.50
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 DELAWARE AVE # AVE11TH, AVE11TH, WILMINGTON, DE 19801-1490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15480 LAGUNA CANYON RD STE 100, 100, IRVINE, CA 92618-2132

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WINCHESTER CITY VA
Recording Date	Aug 10, 2018
Property Address	631 WATSON AVE, WINCHESTER, VA 22601-5326
Document Number	0180001725
Map Reference	DD 73 PG 474
Instrument Date	Jun 28, 2018
Instrument	180001725
Transaction Type	Foreclosure
Record Updated	Jul 25, 2023

Transaction

Amount	Amount on Record
Tax	$101.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22375 BRODERICK DR STE 235, 235, STERLING, VA 20166-9347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 55004, IRVINE, CA 92619-5004

Tax Assessment & Valuation

The 2026 property tax bill for 631 Watson Ave was $1,743.

Source: Winchester City assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Winchester City
Unified School District	Winchester City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,743.00	$219,200 Land $32,000 Building $187,200
2025	$1,743.00		$219,200 Land $32,000 Building $187,200
2023	$1,599.00 (-1.11%)	$192,700 Land $32,000 Building $160,700	$192,700 Land $32,000 Building $160,700
2022	$1,617.00

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

Flood

FEMA maps place 631 Watson Ave 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

The area around 631 Watson Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	FREDERICK WATER serves 46,206 people · EPA ID VA2069250
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 691 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 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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