653 Lake Saint Clair Dr, Winchester, VA 22603 Property Records

Frederick County property record for 653 Lake Saint Clair Dr, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 3,128 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,042 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31A1-5`

Property Details

APN / Parcel Number

Primary APN	`31A1-5`
Alternative APN	`8005777`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,128 sqft Living Area
Gross Area	9,502 sqft
1st Floor Area	2,120 sqft
Basement Area	2,120 sqft
Unfinished Basement	2,120 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Area	744 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	800 sqft
Deck Area	748 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8005777
Street Address	653 LAKE SAINT CLAIR DR
City	WINCHESTER
State	VA
Zip	22603-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LAKE ST. CLAIR L5 1.00 ACRE
Legal Subdivision	222
Legal Lot Number	5
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	2
Census Block	2003
Census Tract	50200

Owner

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	2 Individual Names on Record
Mailing Address	653 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 5, 2019
Property Address	653 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3029
Document Number	0000011895
Instrument Date	Oct 29, 2019
Instrument	11895
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	653 LAKE SAINT CLAIR DR WINCHESTER VA 226033029, WINCHESTER, VA 22603-3029

Mortgage

Document Number	11896
Date	Nov 5, 2019
Instrument	11896

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2034

Interest

Rate	3.37%

Tax Assessment & Valuation

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	$4,042.00 (+10.41%)	$762,700 Land $158,000 Building $604,700	$762,700 Land $158,000 Building $604,700
2025	$3,661.00

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 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	1 in force
Nearby Flood Claims	2 (2018–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

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 66% of the US · above 56% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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