104 Mackenzie Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 104 Mackenzie Ln, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,535 sqft · built 2006
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Aug 2023)
Tax Bill	$2,693 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-3`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-3`
Alternative APN	`8041955`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,535 sqft Living Area
Gross Area	4,218 sqft
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Area	390 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	123 sqft
Deck Area	120 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	8041955
Street Address	104 MACKENZIE LN
City	STEPHENSON
State	VA
Zip	22656-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L3 S1
Legal Subdivision	RED BUD
Legal Lot Number	3
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1003
Census Tract	51104

Owner

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	Individual Name on Record
Mailing Address	104 MACKENZIE LN, STEPHENSON, VA 22656-2225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 15, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Jun 27, 2013 · Amount on Record
Deed Document Number	20237249
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 21, 2023
Property Address	104 MACKENZIE LN, STEPHENSON, VA 22656-2225
Document Number	0000007249
Instrument Date	Aug 18, 2023
Instrument	230007249
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	NEW WORLD TITLE AND ESCROW LLC, NEW WORLD TITLE & ESCROW

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	104 MACKENZIE LN, STEPHENSON, VA 22656-2225

Mortgage

Document Number	0000007250
Date	Aug 21, 2023
Instrument	230007250

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK VA
Property Address	104 MACKENZIE LN, STEPHENSON, VA 22656-2225
Document Number	0000001992
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MACKENZIE LN STEPHENSON VA 226562225, STEPHENSON, VA 22656-2225

Mortgage

Document Number	0000001992
Date	Feb 20, 2020
Instrument	1992

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Feb 19, 2060

Interest

Rate	4%

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	$2,693.00 (+10.41%)	$508,200 (+24.59%) Land $108,000 Building $400,200	$508,200 (+24.59%) Land $108,000 Building $400,200
2025	$2,439.00 (+17.26%)
2023	$2,080.00	$407,900 Land $92,000 Building $315,900	$407,900 Land $92,000 Building $315,900

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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