Frederick County property record for 108 Gretchen Ct, Stephenson, VA 22656
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,984 sqft · built 2013 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $331,200 (Feb 2023) |
| Tax Bill | $2,119 (2026) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E3-1-75 |
| Primary APN | 44E3-1-75 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 2,992 sqft |
| 1st Floor Area | 992 sqft |
| Basement Area | 603 sqft |
| Finished Basement | 603 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Garage Area | 389 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8048463 |
|---|---|
| Street Address | 108 GRETCHEN CT |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1890 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R4 |
| Legal Description | SNOWDEN BRIDGE L75 S3 |
| Legal Subdivision | 5 |
| Legal Lot Number | 75 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 50100 |
Source: Frederick County assessment roll, as of July 9, 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 File |
|---|---|
| Mailing Address | 108 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage DIGITAL FEDERAL CREDIT UNION |
| Aug 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 21, 2023 · Amount on Record |
| Deed Sale | Feb 21, 2023 · Amount on Record |
| Prior Sale | Oct 2, 2013 · Amount on Record |
| Deed Document Number | 20231339 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Feb 21, 2023 |
| Property Address | 108 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Document Number | 0000001339 |
| Instrument Date | Feb 14, 2023 |
| Instrument | 230001339 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Title Company | ATG TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Document Number | 0000001340 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 230001340 |
| Name | DIGITAL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 108 GRETCHEN CT, STEPHENSON, VA 22656-1890 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013770 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 210013770 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $2,119.00 (+10.36%) | $399,900 Land $68,000 Building $331,900 | $399,900 Land $68,000 Building $331,900 |
| 2025 | $1,920.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation at the parcel |
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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