108 Lattice Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 108 Lattice Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,260 sqft · built 2014
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Oct 2023)
Tax Bill	$3,293 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-57`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-57`
Alternative APN	`8048315`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,260 sqft Living Area
Gross Area	5,339 sqft
1st Floor Area	1,560 sqft
Basement Area	825 sqft
Finished Basement	825 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	49 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	8048315
Street Address	108 LATTICE DR
City	STEPHENSON
State	VA
Zip	22656-1889
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L57 S2
Legal Subdivision	5
Legal Lot Number	57
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4030
Census Tract	50100

Owner

108 Lattice Dr is owned and occupied by an individual who bought it in October 2023.

Source: Frederick County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	108 LATTICE DR, STEPHENSON, VA 22656-1889
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2023 · Amount on File
Deed Sale	Oct 19, 2023 · Amount on File
Prior Sale	Mar 7, 2014 · Amount on File
Deed Document Number	20239299
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 19, 2023
Property Address	108 LATTICE DR, STEPHENSON, VA 22656-1889
Document Number	0000009299
Instrument Date	Oct 18, 2023
Instrument	230009299
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	108 LATTICE DR, STEPHENSON, VA 22656-1889

Mortgage

Document Number	0000009300
Date	Oct 19, 2023
Instrument	230009300

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	108 LATTICE DR, STEPHENSON, VA 22656-1889
Document Number	0000018109
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 LATTICE DR STEPHENSON VA 226561889, STEPHENSON, VA 22656-1889

Mortgage

Document Number	0000018109
Date	Dec 14, 2020
Instrument	18109

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 13, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 108 Lattice Dr was $3,293, up 10.4% from the year before.

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	$3,293.00 (+10.43%)	$621,325 Land $93,000 Building $528,325	$621,325 Land $93,000 Building $528,325
2025	$2,982.00
2023	$2,758.00	$540,800 Land $77,000 Building $463,800	$540,800 Land $77,000 Building $463,800

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

Flood

FEMA maps place 108 Lattice 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

Wildfire risk around 108 Lattice Dr is low, with a 0.03% 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	0.03% 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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