103 Kemper Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 103 Kemper Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,150 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$537,300 (Jul 2023)
Tax Bill	$3,265 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-12`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-12`
Alternative APN	`8041964`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,150 sqft Living Area
Gross Area	5,408 sqft
1st Floor Area	1,468 sqft
Basement Area	1,468 sqft
Finished Basement	1,468 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	126 sqft
Deck Area	214 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8041964
Street Address	103 KEMPER CT
City	STEPHENSON
State	VA
Zip	22656-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L12 S1
Legal Subdivision	RED BUD
Legal Lot Number	12
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1004
Census Tract	51104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 KEMPER CT, STEPHENSON, VA 22656-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Aug 29, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage APPLE FEDERAL CREDIT UNION
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY HOME MORTGAGE CORP
Aug 30, 2019	Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORPORATION
Feb 24, 2017	Grant Deed, Transfer · Conventional with PMI JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2023 · Amount on Record
Deed Sale	Jul 24, 2023 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	20236232
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 24, 2023
Property Address	103 KEMPER CT, STEPHENSON, VA 22656-2226
Document Number	0000006232
Instrument Date	Jul 20, 2023
Instrument	230006232
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 KEMPER CT, STEPHENSON, VA 22656-2226

Mortgage

Document Number	0000006233
Date	Jul 24, 2023
Instrument	230006233

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	103 KEMPER CT, STEPHENSON, VA 22656-2226
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	CHAMPION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010876
Date	Aug 29, 2022
Instrument	220010876

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	122 Months
Due	Oct 1, 2032

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	103 KEMPER CT, STEPHENSON, VA 22656-2226
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	BCHH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004621
Date	Mar 19, 2021
Instrument	210004621

Lender

Name	LIBERTY HOME MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.63%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 30, 2019
Property Address	103 KEMPER CT, STEPHENSON, VA 22656-2226
Document Number	0000008938
Instrument Date	Aug 30, 2019
Instrument	190008938
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 KEMPER CT, STEPHENSON, VA 22656-2226

Mortgage

Document Number	0000008939
Date	Aug 30, 2019
Instrument	190008939

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 24, 2017
Property Address	103 KEMPER CT, STEPHENSON, VA 22656-2226
Document Number	0000001952
Instrument Date	Feb 21, 2017
Instrument	1952
Transaction Type	Transfer
Record Updated	Jul 13, 2017
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 KEMPER CT STEPHENSON VA 226562226, STEPHENSON, VA 22656-2226

Mortgage

Document Number	1953
Date	Feb 24, 2017
Instrument	1953

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

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	$3,265.00 (+10.42%)	$616,100 (+14.67%) Land $108,000 Building $508,100	$616,100 (+14.67%) Land $108,000 Building $508,100
2025	$2,957.00 (+7.92%)
2023	$2,740.00	$537,300 Land $92,000 Building $445,300	$537,300 Land $92,000 Building $445,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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.

Wildfire

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	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber.

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