Frederick County property record for 108 Sawtooth Dr, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,516 sqft · built 2010 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $274,900 (Jun 2017) |
| Tax Bill | $1,960 (2026) |
| Deeds & Mortgages | May 2022 Second Mortgage Jan 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44E1-1-64 |
| Primary APN | 44E1-1-64 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 790 sqft |
| Basement Area | 730 sqft |
| Finished Basement | 730 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Terrain | Rolling |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 48 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8045953 |
|---|---|
| Street Address | 108 SAWTOOTH DR |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | SNOWDEN BRIDGE L64S1 |
| Legal Subdivision | SNOWDEN BRIDGE SD |
| Legal Lot Number | 64 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 50100 |
108 Sawtooth Dr is owned and occupied by an individual who bought it in June 2017.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| 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.
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage APPLE FEDERAL CREDIT UNION |
| Jan 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance APPLE FEDERAL CREDIT UNION |
| Jun 8, 2017 | Grant Deed, Transfer PRIME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2017 · Amount on File |
| Deed Sale | Jun 8, 2017 · Amount on File |
| Prior Sale | Jul 27, 2015 · Amount on File |
| Deed Document Number | 20175733 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 108 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006982 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 220006982 |
| Name | APPLE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 62 Months |
| Due | Jul 1, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 108 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | TANDEM TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000001756 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 210001756 |
| Name | APPLE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 8, 2017 |
| Property Address | 108 SAWTOOTH DR, STEPHENSON, VA 22656-1847 |
| Document Number | 0000005733 |
| Instrument Date | Jun 8, 2017 |
| Instrument | 5733 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2017 |
| Title Company | RGS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $274.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 108 SAWTOOTH DR STEPHENSON VA 226561847, STEPHENSON, VA 22656-1847 |
| Document Number | 5734 |
|---|---|
| Date | Jun 8, 2017 |
| Instrument | 5734 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 7, 2047 |
The 2026 property tax bill for 108 Sawtooth Dr was $1,960, 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 | $1,960.00 (+10.36%) | $369,900 Land $93,000 Building $276,900 | $369,900 Land $93,000 Building $276,900 |
| 2025 | $1,776.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 108 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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