106 Setting Sun Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 106 Setting Sun Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,255 sqft · built 2009
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Sep 2020)
Tax Bill	$3,064 (2026)
Deeds & Mortgages	May 2023 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E1-1-21`

Property Details

APN / Parcel Number

Primary APN	`44E1-1-21`
Alternative APN	`8045910`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	3,255 sqft Living Area
Gross Area	5,739 sqft
1st Floor Area	1,530 sqft
Basement Area	1,531 sqft
Finished Basement	1,531 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	13 sqft
Deck Area	216 sqft
Patio Area	504 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	8045910
Street Address	106 SETTING SUN CT
City	STEPHENSON
State	VA
Zip	22656-1869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L21S1
Legal Subdivision	SNOWDEN BRIDGE SD
Legal Lot Number	21
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

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	2 Individual Names on Record
Mailing Address	106 SETTING SUN CT, STEPHENSON, VA 22656-1869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Line of Credit WRIGHT PATMAN CONGRESSIONAL FEDERAL CRED
Sep 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Nov 30, 2009 · Amount on Record
Deed Document Number	202012620
Prior Transfer Date	Nov 17, 2009
Prior Transfer Doc	0900012742
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	106 SETTING SUN CT, STEPHENSON, VA 22656-1869
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003451
Date	May 1, 2023
Instrument	230003451

Lender

Name	WRIGHT PATMAN CONGRESSIONAL FEDERAL CRED

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Apr 8, 2043

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 16, 2020
Property Address	106 SETTING SUN CT, STEPHENSON, VA 22656-1869
Document Number	0000012620
Instrument Date	Sep 10, 2020
Instrument	200012620
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	ATG TITLE

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	106 SETTING SUN CT, STEPHENSON, VA 22656-1869

Mortgage

Document Number	0000012621
Date	Sep 16, 2020
Instrument	200012621

Lender

Name	FIDELITY DIRECT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$3,064.00 (+10.41%)	$578,200 Land $93,000 Building $485,200	$578,200 Land $93,000 Building $485,200
2025	$2,775.00

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	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

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	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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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