Frederick County property record for 105 Sawtooth Dr, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,008 sqft · built 2007 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Company Name on File |
| Last Sale | $390,000 (Aug 2010) |
| Tax Bill | $3,081 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E1-1-3 |
| Primary APN | 44E1-1-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 3,008 sqft Living Area |
| Gross Area | 4,980 sqft |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,368 sqft |
| Finished Basement | 1,368 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 | 7,841 sqft (0.18 acres) |
| Terrain | Rolling |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 24 sqft |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8045892 |
|---|---|
| Street Address | 105 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 L3 S1 |
| Legal Subdivision | 5 |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 50100 |
105 Sawtooth Dr is owned by a company that bought it in August 2010.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 105 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Jan 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOW VA RATES LLC |
| Feb 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2010 · Amount on File |
| Deed Sale | Aug 25, 2010 · Amount on File |
| Deed Book / Page | 1000 / 7923 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 105 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000001558 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 210001558 |
| Name | LOW VA RATES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 105 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Document Number | 0000001132 |
| Instrument Date | Feb 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 105 SAWTOOTH DR STEPHENSON VA 226561848, STEPHENSON, VA 22656-1848 |
| Document Number | 0000001132 |
|---|---|
| Date | Feb 8, 2019 |
| Instrument | 1132 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2049 |
The 2026 property tax bill for 105 Sawtooth Dr was $3,081, 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 | $3,081.00 (+10.39%) | $581,400 Land $93,000 Building $488,400 | $581,400 Land $93,000 Building $488,400 |
| 2025 | $2,791.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Sawtooth Dr 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 Sawtooth Dr is low, with a 0.02% 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 | 0.02% 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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