Frederick County property record for 7786 Carolyn Ave, Middletown, VA 22645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,425 sqft · built 1975 |
| Lot Size | 0.34 acres (14,624 sqft) |
| Owner | Individual Name on File |
| Last Sale | $316,500 (Jun 2026) |
| Tax Bill | $1,600 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Apr 2024 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 91B6-2-8 |
| Primary APN | 91B6-2-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,425 sqft Living Area |
| Gross Area | 3,132 sqft |
| 1st Floor Area | 1,425 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,624 sqft (0.34 acres) |
| Terrain | Rolling |
| Garage Area | 325 sqft |
| Deck Area | 528 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8026835 |
|---|---|
| Street Address | 7786 CAROLYN AVE |
| City | MIDDLETOWN |
| State | VA |
| Zip | 22645-9514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LORD FAIRFAX L8 S2 |
| Legal Subdivision | LORD FAIRFAX |
| Legal Lot Number | 8 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | BACK CREEK |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 50700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Middletown Historic District listed 2003 · 234 contributing resources · NRIS 03000566 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
7786 Carolyn Ave is owned and occupied by an individual who bought it in June 2026.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION |
| Apr 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance VETERANS UNITED HOME LOANS |
| Dec 12, 2022 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Jul 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on File |
| Deed Sale | Jun 26, 2026 · Amount on File |
| Prior Sale | Dec 12, 2022 · Amount on File |
| Deed Document Number | 20266544 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 26, 2026 |
| Property Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Document Number | 0000006544 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20266544 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2026 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,966.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Document Number | 0000006545, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 20266545 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000002825 |
|---|---|
| Date | Apr 8, 2024 |
| Instrument | 240002825 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Dec 12, 2022 |
| Property Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Document Number | 0000014422 |
| Instrument Date | Dec 7, 2022 |
| Instrument | 220014422 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Document Number | 0000014423 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 220014423 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 140 Months |
| Due | Aug 17, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000006993 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 190006993 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 7786 CAROLYN AVE, MIDDLETOWN, VA 22645-9514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000014762 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 200014762 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 7786 Carolyn Ave was $1,600, up 10.3% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Municipality | Middletown Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,600.00 (+10.34%) | $301,980 (-) Land $83,000 Building $218,980 | $301,980 (-) Land $83,000 Building $218,980 |
| 2025 | $1,450.00 | $301,980 Land $83,000 Building $218,980 | $301,980 Land $83,000 Building $218,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7786 Carolyn Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 | 4 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · other causes |
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 7786 Carolyn Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MIDDLETOWN serves 1,390 people · EPA ID VA2069333 |
|---|---|
| Water Source | Purchased surface water from CITY OF WINCHESTER |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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