Frederick County property record for 107 Sawtooth Dr, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,940 sqft · built 2007 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $477,500 (Jul 2023) |
| Tax Bill | $2,386 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E1-1-4 |
| Primary APN | 44E1-1-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,940 sqft Living Area |
| Gross Area | 3,572 sqft |
| 1st Floor Area | 968 sqft |
| Basement Area | 968 sqft |
| Finished Basement | 968 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 16 sqft |
| Patio Area | 456 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8045893 |
|---|---|
| Street Address | 107 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 L4 S1 |
| Legal Subdivision | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 50100 |
107 Sawtooth Dr is owned and occupied by an individual who bought it in July 2023.
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 107 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage NFM LENDING |
| Sep 10, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPOR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2023 · Amount on File |
| Deed Sale | Jul 13, 2023 · Amount on File |
| Prior Sale | Sep 10, 2021 · Amount on File |
| Deed Document Number | 20235875 |
| Prior Transfer Date | Oct 21, 2009 |
| Prior Transfer Doc | 0900011812 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 13, 2023 |
| Property Address | 107 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Document Number | 0000005875 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 230005875 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2023 |
| Title Company | NOT AVAILABLE, SSD TITLE & ESCROW |
| 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 | 107 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Document Number | 0000005876 |
|---|---|
| Date | Jul 13, 2023 |
| Instrument | 230005876 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 10, 2021 |
| Property Address | 107 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Document Number | 0000015336 |
| Instrument Date | Sep 8, 2021 |
| Instrument | 210015336 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Amount | Amount 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 | 107 SAWTOOTH DR, STEPHENSON, VA 22656-1848 |
| Document Number | 0000015337 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 210015337 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPOR |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 107 Sawtooth Dr was $2,386, 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 | $2,386.00 (+10.41%) | $450,200 Land $93,000 Building $357,200 | $450,200 Land $93,000 Building $357,200 |
| 2025 | $2,161.00 | ||
| 2023 | $2,024.00 | $396,900 Land $77,000 Building $319,900 | $396,900 Land $77,000 Building $319,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 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 107 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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