Warren County property record for 989 Summit Point Dr, Front Royal, VA 22630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,272 sqft · built 1990 |
| Lot Size | 0.368 acres (16,030 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $317,000 (Oct 2022) |
| Tax Bill | $1,753 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31/A2/2/3/13 |
| Primary APN | 31/A2/2/3/13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,272 sqft Living Area |
| Gross Area | 2,864 sqft |
| 1st Floor Area | 1,248 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,030 sqft (0.368 acres) |
| Terrain | Rolling |
| Deck Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 21349 |
|---|---|
| Old Parcel Number | 31A2 2 3 13 |
| Street Address | 989 SUMMIT POINT DR |
| City | FRONT ROYAL |
| State | VA |
| Zip | 22630-4817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | L13 15 B 3 SEC B BLUE RIDGE MT EST |
| Legal Subdivision | BLUE RIDGE MT EST |
| Jurisdiction | WARREN VA |
| Township / Civil Division | HAPPY CREEK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20602 |
Source: Warren County records, as of September 15, 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 Record |
|---|---|
| Mailing Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 20, 2022 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 4, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 8, 2020 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 6, 2019 | Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2022 · Amount on Record |
| Deed Sale | Oct 20, 2022 · Amount on Record |
| Prior Sale | Jul 8, 2020 · Amount on Record |
| Deed Document Number | 20226246 |
| Prior Transfer Date | Jun 30, 2020 |
| Prior Transfer Doc | 0000004264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Sep 3, 2026 |
| Property Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 0000004519 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 20264519 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000004519, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20264519 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Oct 20, 2022 |
| Property Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 0220006246 |
| Map Reference | MB 2 PG 196 |
| Instrument Date | Oct 18, 2022 |
| Instrument | 220006246 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2023 |
| Title Company | HAZELWOOD TITLE AND ESCROW INC, HAZELWOOD TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 0220006247 |
|---|---|
| Date | Oct 20, 2022 |
| Instrument | 220006247 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN VA |
| Property Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210000027 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 210000027 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Jul 8, 2020 |
| Property Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 200004264 |
| Map Reference | MB 2 PG 196 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 200004264 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 200004265 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 200004265 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN VA |
| Recording Date | Mar 6, 2019 |
| Property Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 190000945 |
| Map Reference | MB 2 PG 196 |
| Instrument Date | Mar 4, 2019 |
| Instrument | 190000945 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | CLEAR TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 989 SUMMIT POINT DR, FRONT ROYAL, VA 22630-4817 |
| Document Number | 190000947 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 190000947 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Warren County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Warren County |
| Unified School District | Warren County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,753.00 (+18.77%) | $308,200 (-) Land $44,600 Building $263,600 | |
| 2025 | $1,476.00 (+37.56%) | $308,200 (+40.73%) Land $44,600 Building $263,600 | $308,200 (+40.73%) Land $44,600 Building $263,600 |
| 2024 | $1,073.00 | $219,000 (-) Land $34,500 Building $184,500 | $219,000 (-) Land $34,500 Building $184,500 |
| 2023 | $219,000 Land $34,500 Building $184,500 | $219,000 Land $34,500 Building $184,500 | |
| 2022 | $1,073.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · 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 | 2 in force |
| Nearby Flood Claims | 6 (1996) |
| Most Recent Claim | Sep 1996 · Hurricane Fran And Associated Severe Storm Cond |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 56% 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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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