106 Shiraz Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 106 Shiraz Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,410 sqft · built 2007
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jun 2014)
Tax Bill	$3,687 (2026)
Deeds & Mortgages	Sep 2021 Refinance Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55L2-2-209`

Property Details

APN / Parcel Number

Primary APN	`55L2-2-209`
Alternative APN	`8046044`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,410 sqft Living Area
Gross Area	7,072 sqft
1st Floor Area	1,698 sqft
Basement Area	1,698 sqft
Unfinished Basement	1,698 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	195 sqft
Patio Area	646 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8046044
Street Address	106 SHIRAZ CT
City	STEPHENSON
State	VA
Zip	22656-2228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L209 S2P2
Legal Subdivision	RED BUD
Legal Phase	2
Legal Lot Number	209
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1003
Census Tract	51104

Owner

Source: Frederick County records · APN 55L2-2-209

Assessment roll updated July 9, 2026 · Last verified August 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 File
Mailing Address	106 SHIRAZ CT, STEPHENSON, VA 22656-2228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 03, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 03, 2014 · Amount on Record
Deed Sale	Jun 03, 2014 · Amount on Record
Prior Sale	Feb 10, 2014 · Amount on Record
Deed Book / Page	1400 / 4301
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	106 SHIRAZ CT, STEPHENSON, VA 22656-2228
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	EQUITY TITLE COMPANY, EQUITY NTL TITLE&CLOSING SVC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014937
Date	Sep 03, 2021
Instrument	210014937

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	106 SHIRAZ CT, STEPHENSON, VA 22656-2228
Document Number	0000005575
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	SECURITY AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 SHIRAZ CT STEPHENSON VA 226562228, STEPHENSON, VA 22656-2228

Mortgage

Document Number	0000005575
Date	May 14, 2020
Instrument	5575

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 13, 2040

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,687.00 (+18.14%)	$650,160 Land $108,000 Building $542,160	$650,160 Land $108,000 Building $542,160
2025	$3,121.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: Shenandoah Telecommunications Company.

Based on FCC filings for 165 locations within half a mile of this property.

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