Frederick County property record for 103 Sawtooth Dr, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 3,733 sqft · built 2007 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $445,500 (Dec 2014) |
| Tax Bill | $3,390 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E1-1-2 |
| Primary APN | 44E1-1-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 3,733 sqft Living Area |
| Gross Area | 7,407 sqft |
| 1st Floor Area | 1,616 sqft |
| Basement Area | 1,862 sqft |
| Finished Basement | 1,862 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 48 sqft |
| Deck Area | 378 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8045891 |
|---|---|
| Street Address | 103 SAWTOOTH DR |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | SNOWDEN BRIDGE L2 S1 |
| Legal Subdivision | 5 |
| Legal Lot Number | 2 |
| 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 | Trust Name on Record |
|---|---|
| Mailing Address | 103 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2014 · Amount on Record |
| Deed Sale | Dec 15, 2014 · Amount on Record |
| Prior Sale | Jul 31, 2012 · Amount on Record |
| Deed Book / Page | 1400 / 10647 |
| Last Transfer Date | Oct 31, 2024 |
| Transfer Doc | 0000010245 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 103 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | OLD TOWNE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000162 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 210000162 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
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 | $3,390.00 (+10.39%) | $639,700 Land $93,000 Building $546,700 | $639,700 Land $93,000 Building $546,700 |
| 2025 | $3,071.00 |
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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