Frederick County property record for 776 Pack Horse Rd, Winchester, VA 22603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,225 sqft · built 1971 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,900 (Nov 2009) |
| Tax Bill | $1,489 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 076-2B |
| Primary APN | 076-2B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| Gross Area | 3,450 sqft |
| 1st Floor Area | 1,225 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8000383 |
|---|---|
| Street Address | 776 PACK HORSE RD |
| City | WINCHESTER |
| State | VA |
| Zip | 22603-1530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | HOOVER MOUNTAIN PT PAR 2 2.00 ACRES |
| Legal Subdivision | HOOVER MOUNTAIN |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 50300 |
776 Pack Horse Rd is owned and occupied by an individual who bought it in November 2009.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 776 PACK HORSE RD, WINCHESTER, VA 22603-1530 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2009 · Amount on File |
| Deed Sale | Nov 9, 2009 · Amount on File |
| Prior Sale | Sep 2, 2009 · Amount on File |
| Deed Book / Page | 900 / 12345 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 776 PACK HORSE RD, WINCHESTER, VA 22603-1530 |
| Document Number | 0000008559 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 776 PACK HORSE RD WINCHESTER VA 226031530, WINCHESTER, VA 22603-1530 |
| Document Number | 0000008559 |
|---|---|
| Date | Aug 22, 2019 |
| Instrument | 8559 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 21, 2049 |
The 2026 property tax bill for 776 Pack Horse Rd was $1,489, up 10.4% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,489.00 (+10.38%) | $281,024 Land $72,000 Building $209,024 | $281,024 Land $72,000 Building $209,024 |
| 2025 | $1,349.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 776 Pack Horse Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.
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 | 5 in force |
| Nearby Flood Claims | 6 (1996–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Jun 2018 · river or lake flooding |
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 risk around 776 Pack Horse Rd 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 64% of the US · above 60% 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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