Frederick County property record for 103 Prairie Pl, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 3,647 sqft · built 2008 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Jan 2026) |
| Tax Bill | $3,649 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Mar 2024 Second Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E1-1-38 |
| Primary APN | 44E1-1-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 17 Rooms |
| Stories | 2 Stories |
| Building Area | 3,647 sqft Living Area |
| Gross Area | 7,000 sqft |
| 1st Floor Area | 1,476 sqft |
| Basement Area | 1,476 sqft |
| Finished Basement | 1,476 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Terrain | Rolling |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8045927 |
|---|---|
| Street Address | 103 PRAIRIE PL |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | SNOWDEN BRIDGE L38S1 |
| Legal Subdivision | 5 |
| Legal Lot Number | 38 |
| 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 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 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jan 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Apr 8, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF CLARKE COUNTY |
| May 1, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF CLARKE COUNTY |
| Mar 15, 2019 | Deed of Trust, Mortgage · Conventional with PMI NAVY FCU |
| Dec 11, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2026 · Amount on Record |
| Deed Sale | Jan 16, 2026 · Amount on Record |
| Prior Sale | Jun 26, 2008 · Amount on Record |
| Deed Document Number | 2026524 |
| Prior Transfer Date | Dec 11, 2018 |
| Prior Transfer Doc | 0000012233 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0000001272 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 220001272 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001946 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 240001946 |
| Name | SPRING EQ LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2054 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jan 16, 2026 |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Document Number | 0000000524 |
| Map Reference | DOC 070006358 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 260000524 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $688.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Document Number | 0000000525 |
|---|---|
| Date | Jan 16, 2026 |
| Instrument | 260000525 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004039 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 200004039 |
| Name | BANK OF CLARKE COUNTY |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 3, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005099 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 200005099 |
| Name | BANK OF CLARKE COUNTY |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Document Number | 0000002428 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 103 PRAIRIE PL STEPHENSON VA 226561868, STEPHENSON, VA 22656-1868 |
| Document Number | 0000002428 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 2428 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 19, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Dec 11, 2018 |
| Property Address | 103 PRAIRIE PL, STEPHENSON, VA 22656-1868 |
| Document Number | 0000012233 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 12233 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 105 PRAIRIE PL STEPHENSON VA 22656, STEPHENSON, VA 22656 |
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 | $3,649.00 (+10.44%) | $688,400 (-) Land $93,000 Building $595,400 | $688,400 (-) Land $93,000 Building $595,400 |
| 2025 | $3,304.00 (+116.37%) | $688,400 Land $93,000 Building $595,400 | $688,400 Land $93,000 Building $595,400 |
| 2024 | $1,527.00 |
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 | 0.03% 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 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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