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108 Mackenzie Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 108 Mackenzie Ln, Stephenson, VA 22656 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,900 sqft · built 2005
Lot Size0.27 acres (11,761 sqft)
OwnerIndividual Name on File
Last Sale$369,900 (Mar 2019)
Tax Bill$2,822 (2026)
Deeds & MortgagesAug 2020 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN55L1-1-5

Property Details

APN / Parcel Number

Primary APN55L1-1-5
Alternative APN
  • 8041957

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,900 sqft Living Area
Gross Area4,948 sqft
1st Floor Area1,388 sqft
Basement Area1,388 sqft
Unfinished Basement1,388 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2019
Exterior MaterialBrick
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area11,761 sqft (0.27 acres)
TerrainRolling
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area260 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number8041957
Street Address108 MACKENZIE LN
CitySTEPHENSON
StateVA
Zip22656-2225
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRED BUD RUN L5 S1
Legal SubdivisionRED BUD
Legal Lot Number5
JurisdictionFREDERICK VA
Township / Civil DivisionSTONEWALL
Census Block Group1
Census Block1003
Census Tract51104

Owner

Source: Frederick County records · APN 55L1-1-5

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 RecordIndividual Name on File
Mailing Address108 MACKENZIE LN, STEPHENSON, VA 22656-2225
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Mar 22, 2019Warranty Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 22, 2019 · Amount on Record
Deed SaleMar 22, 2019 · Amount on Record
Prior SaleMay 03, 2006 · Amount on Record
Deed Document Number20192528
Prior Transfer DateApr 14, 2016
Prior Transfer Doc0000006801
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK VA
Property Address108 MACKENZIE LN, STEPHENSON, VA 22656-2225
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyDIRECT TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010760
DateAug 17, 2020
Instrument200010760
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050
Interest
Rate TypeFixed Rate

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFREDERICK VA
Recording DateMar 22, 2019
Property Address108 MACKENZIE LN, STEPHENSON, VA 22656-2225
Document Number0000002528
Instrument DateMar 21, 2019
Instrument190002528
Transaction TypeTransfer
Record UpdatedMay 28, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 MACKENZIE LN, STEPHENSON, VA 22656-2225

Mortgage

Document Number0000002529
DateMar 22, 2019
Instrument190002529
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2049
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateVirginia
CountyFrederick County
Unified School DistrictFrederick 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.

YearTax BillAssessed ValueAssessed Market Value
2026$2,822.00 (+10.41%)$532,400 Land $108,000 Building $424,400$532,400 Land $108,000 Building $424,400
2025$2,556.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690511041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies5 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 9,091 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 242 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
VerizonFiber2,300 / 2,300
XfinityCable2,000 / 2,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, Shenandoah Telecommunications Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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