Frederick County property record for 686 Cedar Grove Rd, Winchester, VA 22603 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,903 sqft · built 2006 |
| Lot Size | 3.03 acres (131,987 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,381 (2026) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31A-90D |
| Primary APN | 31A-90D |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,903 sqft Living Area |
| Gross Area | 12,790 sqft |
| 1st Floor Area | 2,322 sqft |
| Basement Area | 2,322 sqft |
| Finished Basement | 2,322 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 131,987 sqft (3.03 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 525 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Patio Area | 276 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8044763 |
|---|---|
| Street Address | 686 CEDAR GROVE RD |
| City | WINCHESTER |
| State | VA |
| Zip | 22603-3000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 3.03 ACRES |
| Legal Subdivision | 5 |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 50200 |
Source: Frederick County records · APN 31A-90D
Assessment roll updated July 9, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 686 CEDAR GROVE RD, WINCHESTER, VA 22603-3000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 16, 2020 |
| Property Address | 686 CEDAR GROVE RD, WINCHESTER, VA 22603-3000 |
| Document Number | 0000009001 |
| Instrument Date | Jul 16, 2020 |
| Instrument | 9001 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2020 |
| Title Company | RGS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 686 CEDAR GROVE RD WINCHESTER VA 226033000, WINCHESTER, VA 22603-3000 |
| Document Number | 9002 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 9002 |
| Name | INTEGRITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | WINCHESTER, VA 22602 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2050 |
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,381.00 (+49.85%) | $748,189 Land $95,200 Building $652,989 | $748,189 Land $95,200 Building $652,989 |
| 2025 | $3,591.00 |
Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690502002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Low above 36% of the US · above 60% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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