Warren County property record for 97 Walnut Dr, Front Royal, VA 22630
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,079 sqft · built 1960 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Sep 2020) |
| Tax Bill | $3,436 (2026) |
| Deeds & Mortgages | Jan 2020 Mortgage Dec 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29A-1-49 |
| Primary APN | 29A-1-49 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,079 sqft Living Area |
| Gross Area | 5,536 sqft |
| 1st Floor Area | 2,079 sqft |
| Basement Area | 2,079 sqft |
| Finished Basement | 2,079 sqft |
| Unfinished Basement | 2,079 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,473 sqft (0.47 acres) |
| Terrain | Above Road/Slope |
| Garage Area | 870 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 348 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 20954 |
|---|---|
| Street Address | 97 WALNUT DR |
| City | FRONT ROYAL |
| State | VA |
| Zip | 22630-2345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | L49 BELMONT |
| Legal Subdivision | BELMONT |
| Jurisdiction | WARREN VA |
| Township / Civil Division | SOUTH RIVER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20700 |
Source: Warren County assessment roll, APN 29A-1-49, as of April 20, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 07, 2020 | Deed of Trust, Mortgage NAOMI LOWY BOZOF |
| Dec 30, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FINANCE OF AMERICA COMMERCIAL |
| Sep 08, 2020 | Deed, Transfer · VA Mortgage VELLUM MORTGAGE LLC |
| Dec 30, 2019 | Bargain and Sale Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Apr 28, 2017 | Intrafamily Transfer, Transfer |
| Apr 28, 2017 | Intrafamily Transfer, Transfer |
| Apr 28, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 08, 2020 · Amount on Record |
| Deed Sale | Sep 08, 2020 · Amount on Record |
| Prior Sale | Dec 30, 2019 · Amount on Record |
| Deed Document Number | 20206156 |
| Prior Transfer Date | Apr 20, 2017 |
| Prior Transfer Doc | 0000002215 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 200000141 |
|---|---|
| Date | Jan 07, 2020 |
| Instrument | 200000141 |
| Name | NAOMI LOWY BOZOF |
|---|---|
| Type | Private Party |
| Address | 12119 LITTLE CREEK DR, POTOMAC, MD 20854 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | CLA TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 190006949 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 190006949 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jan 01, 2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Sep 08, 2020 |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 200006156 |
| Map Reference | MB 1 PG 55 |
| Instrument Date | Sep 03, 2020 |
| Instrument | 200006156 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 200006157 |
|---|---|
| Date | Sep 08, 2020 |
| Instrument | 200006157 |
| Name | VELLUM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Dec 30, 2019 |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 190006948 |
| Map Reference | MB 1 PG 55 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 190006948 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | C L A TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 190006951 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 190006951 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jan 01, 2021 |
| Document Number | 190006950 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 190006950 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jan 01, 2021 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Apr 28, 2017 |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 170002215 |
| Book / Page | 000088 |
| Map Reference | MB 1 PG 55 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 170002215 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8623 GRAND SUMMIT RD, NORTH CHESTERFIELD, VA 23235-3443 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Apr 28, 2017 |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 170002215 |
| Book / Page | 000088 |
| Map Reference | MB 1 PG 55 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 170002215 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8623 GRAND SUMMIT RD, NORTH CHESTERFIELD, VA 23235-3443 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Apr 28, 2017 |
| Property Address | 97 WALNUT DR, FRONT ROYAL, VA 22630-2345 |
| Document Number | 170002215 |
| Book / Page | 000088 |
| Map Reference | MB 1 PG 55 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 170002215 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8623 GRAND SUMMIT RD, NORTH CHESTERFIELD, VA 23235-3443 |
Source: Warren County assessment roll as of April 20, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Warren County |
| Unified School District | Warren 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 | $3,436.00 (+18.81%) | $603,800 (-) Land $77,900 Building $525,900 | |
| 2025 | $2,892.00 (-47.49%) | $603,800 (+9.64%) Land $77,900 Building $525,900 | $603,800 (+9.64%) Land $77,900 Building $525,900 |
| 2024 | $5,507.00 | $550,700 (-) Land $92,000 Building $458,700 | $550,700 (-) Land $92,000 Building $458,700 |
| 2023 | $550,700 Land $92,000 Building $458,700 | $550,700 Land $92,000 Building $458,700 | |
| 2022 | $5,507.00 |
Source: FEMA National Flood Hazard Layer, Warren County (51187C), as of June 3, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511870207001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 10 (1985–1996) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Sep 1996 · Hurricane Fran And Associated Severe Storm Cond |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| 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, 53 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system VA2187406, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF FRONT ROYAL serves 15,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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