Frederick County property record for 105 Gretchen Ct, Stephenson, VA 22656
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3.5 ba · 2,016 sqft · built 2013 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $301,000 (Oct 2020) |
| Tax Bill | $2,202 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E3-1-82 |
| Primary APN | 44E3-1-82 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 3,264 sqft |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 666 sqft |
| Finished Basement | 666 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Garage Area | 342 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8048471 |
|---|---|
| Street Address | 105 GRETCHEN CT |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1890 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R4 |
| Legal Description | SNOWDEN BRIDGE L82 S3 |
| Legal Subdivision | 5 |
| Legal Lot Number | 82 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 50100 |
105 Gretchen Ct, a townhouse, is owned by an individual who bought it in October 2020.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 129 W PICCADILLY ST, WINCHESTER, VA 22601-3915 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 22, 2020 | Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| May 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2020 · Amount on File |
| Deed Sale | Oct 22, 2020 · Amount on File |
| Prior Sale | Jan 2, 2014 · Amount on File |
| Deed Document Number | 202014907 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Oct 22, 2020 |
| Property Address | 105 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Document Number | 0000014907 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 200014907 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | RGS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| 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 | 105 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Document Number | 0000014908 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 200014908 |
| Name | EMBRACE HOME LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 105 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Document Number | 0000005410 |
| Instrument Date | May 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 105 GRETCHEN CT STEPHENSON VA 226561890, STEPHENSON, VA 22656-1890 |
| Document Number | 0000005410 |
|---|---|
| Date | Jun 8, 2018 |
| Instrument | 5410 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 7, 2033 |
The 2026 property tax bill for 105 Gretchen Ct was $2,202, up 10.4% from the year before.
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 | $2,202.00 (+10.43%) | $415,500 Land $68,000 Building $347,500 | $415,500 Land $68,000 Building $347,500 |
| 2025 | $1,994.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Gretchen Ct in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 105 Gretchen Ct is low, with a 0.03% annual chance of 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 | 0.03% 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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