Frederick County property record for 102 Sawtooth Dr, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,634 sqft · built 2011 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,900 (Oct 2020) |
| Tax Bill | $2,139 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E1-1-67 |
| Primary APN | 44E1-1-67 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,634 sqft Living Area |
| Gross Area | 3,190 sqft |
| 1st Floor Area | 863 sqft |
| Basement Area | 669 sqft |
| Finished Basement | 669 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Terrain | Rolling |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 115 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8045956 |
|---|---|
| Street Address | 102 SAWTOOTH DR |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | SNOWDEN BRIDGE L67S1 |
| Legal Subdivision | 5 |
| Legal Lot Number | 67 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 50100 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 102 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Oct 18, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 18, 2017 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2020 · Amount on Record |
| Deed Sale | Oct 16, 2020 · Amount on Record |
| Prior Sale | Dec 27, 2013 · Amount on Record |
| Deed Document Number | 202014540 |
| Prior Transfer Date | Mar 2, 2015 |
| Prior Transfer Doc | 1500001889 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Oct 16, 2020 |
| Property Address | 102 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Document Number | 0000014540 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 200014540 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | METROPOLITAN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment 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 | 102 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Document Number | 0000014541 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 200014541 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 102 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Document Number | 0000012021 |
| Instrument Date | Oct 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 102 SAWTOOTH DR STEPHENSON VA 226561847, STEPHENSON, VA 22656-1847 |
| Document Number | 0000012021 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 12021 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 102 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Document Number | 0000012020 |
| Instrument Date | Oct 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 102 SAWTOOTH DR STEPHENSON VA 226561847, STEPHENSON, VA 22656-1847 |
| Document Number | 0000012020 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 12020 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2047 |
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 | $2,139.00 (+10.43%) | $403,500 Land $93,000 Building $310,500 | $403,500 Land $93,000 Building $310,500 |
| 2025 | $1,937.00 |
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 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 | 1 in force |
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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
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