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

Frederick County property record for 809 Lake Saint Clair Dr, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,282 sqft · built 2013
Lot Size	1 acres (43,560 sqft)
Owner	2 Company Names on Record
Last Sale	$77,500 (Apr 2003)
Tax Bill	$4,533 (2026)
Deeds & Mortgages	Jan 2026 Transfer Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31A1-16`

Property Details

APN / Parcel Number

Primary APN	`31A1-16`
Alternative APN	`8005789`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,282 sqft Living Area
Gross Area	6,367 sqft
1st Floor Area	1,968 sqft
Basement Area	1,685 sqft
Finished Basement	1,685 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	476 sqft
Patio Area	700 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8005789
Street Address	809 LAKE SAINT CLAIR DR
City	WINCHESTER
State	VA
Zip	22603-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LAKE ST. CLAIR L16 1.00 ACRE
Legal Subdivision	222
Legal Lot Number	16
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1012
Census Tract	50200

Owner

Source: Frederick County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	809 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3031
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Intrafamily Transfer, Transfer
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2003 · Amount on Record
Deed Sale	Apr 10, 2003 · Amount on Record
Deed Book / Page	300 / 7606
Last Transfer Date	Jan 19, 2026
Transfer Doc	0000000557
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Jan 20, 2026
Property Address	809 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3031
Document Number	0000000557
Map Reference	MB 317 PG 295
Instrument Date	Jan 19, 2026
Instrument	260000557
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	809 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3031

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	809 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3031
Document Number	0000012694
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	809 LAKE SAINT CLAIR DR WINCHESTER VA 226033031, WINCHESTER, VA 22603-3031

Mortgage

Document Number	0000012694
Date	Sep 17, 2020
Instrument	12694

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

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	$4,533.00 (+10.43%)	$855,300 (-) Land $158,000 Building $697,300	$855,300 (-) Land $158,000 Building $697,300
2025	$4,105.00 (+121.17%)	$855,300 Land $158,000 Building $697,300	$855,300 Land $158,000 Building $697,300
2024	$1,856.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 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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