107 Mackenzie Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 107 Mackenzie Ln, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,736 sqft · built 2005
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Nov 2010)
Tax Bill	$2,731 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-19`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-19`
Alternative APN	`8041971`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,736 sqft Living Area
Gross Area	5,102 sqft
1st Floor Area	1,192 sqft
Basement Area	799 sqft
Finished Basement	799 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Patio Area	714 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	8041971
Street Address	107 MACKENZIE LN
City	STEPHENSON
State	VA
Zip	22656-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L19 S1
Legal Subdivision	RED BUD
Legal Lot Number	19
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1005
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	107 MACKENZIE LN, STEPHENSON, VA 22656-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jun 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Nov 29, 2018	Quit Claim Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2010 · Amount on Record
Deed Sale	Nov 29, 2010 · Amount on Record
Prior Sale	Jul 2, 2010 · Amount on Record
Deed Book / Page	1000 / 11534
Last Transfer Date	Nov 2, 2018
Transfer Doc	0000011846
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	107 MACKENZIE LN, STEPHENSON, VA 22656-2219
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013436
Date	Nov 9, 2022
Instrument	220013436

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	478 Months
Due	Sep 1, 2062

Interest

Rate Type	Adjustable Rate
Rate	5%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	107 MACKENZIE LN, STEPHENSON, VA 22656-2219
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009757
Date	Jun 10, 2021
Instrument	210009757

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 29, 2018
Property Address	107 MACKENZIE LN, STEPHENSON, VA 22656-2219
Document Number	0000011846
Instrument Date	Nov 2, 2018
Instrument	11846
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 MACKENZIE LN STEPHENSON VA 226562219, STEPHENSON, VA 22656-2219

Mortgage

Document Number	11847
Date	Nov 29, 2018
Instrument	11847

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

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	$2,731.00 (+10.43%)	$515,200 Land $108,000 Building $407,200	$515,200 Land $108,000 Building $407,200
2025	$2,473.00

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	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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