Frederick County property record for 109 Halifax Ave, Stephens City, VA 22655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,688 sqft · built 1979 |
| Lot Size | 0.47 acres (20,415 sqft) |
| Owner | Individual Name on File |
| Last Sale | $269,900 (Aug 2018) |
| Tax Bill | $2,086 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 75E1-3-96 |
| Primary APN | 75E1-3-96 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,688 sqft Living Area |
| Gross Area | 3,856 sqft |
| 1st Floor Area | 1,688 sqft |
| Basement Area | 1,064 sqft |
| Finished Basement | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,415 sqft (0.47 acres) |
| Terrain | Wooded |
| Garage Type | Built-in |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 576 sqft |
| Porch | Porch |
| Porch Area | 144 sqft |
| Patio Area | 660 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8023888 |
|---|---|
| Street Address | 109 HALIFAX AVE |
| City | STEPHENS CITY |
| State | VA |
| Zip | 22655-5919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | FREDERICKTOWNE L96 S3 |
| Legal Subdivision | FREDERICKTOWNE |
| Legal Lot Number | 96 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | SHAWNEE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 50804 |
109 Halifax Ave is owned and occupied by an individual who bought it in August 2018.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| 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 |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Aug 30, 2018 | Warranty Deed, Transfer · FHA Mortgage SWBC MORTGAGE CORPORATION |
| Feb 22, 2017 | Deed of Trust, Mortgage · Line of Credit UNION BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on File |
| Deed Sale | Aug 30, 2018 · Amount on File |
| Prior Sale | Apr 21, 2016 · Amount on File |
| Deed Document Number | 20188551 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| Document Number | 0000009992 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 250009992 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 275 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0000013676 |
|---|---|
| Date | Nov 16, 2022 |
| Instrument | 220013676 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 310 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Aug 30, 2018 |
| Property Address | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| Document Number | 0000008551 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 180008551 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | STEWART TITLE GUARANTY CO |
| 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 | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| Document Number | 0000008552 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 180008552 |
| Name | SWBC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 109 HALIFAX AVE, STEPHENS CITY, VA 22655-5919 |
| Document Number | 0000001881 |
| Instrument Date | Feb 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 109 HALIFAX AVE STEPHENS CITY VA 226555919, STEPHENS CITY, VA 22655-5919 |
| Document Number | 0000001881 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 1881 |
| Name | UNION BK&TR |
|---|---|
| Type | Bank |
| Address | FRONT ROYAL, VA 22630 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 109 Halifax Ave was $2,086, 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 | $2,086.00 (+10.43%) | $393,532 Land $88,000 Building $305,532 | $393,532 Land $88,000 Building $305,532 |
| 2025 | $1,889.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Halifax Ave 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 | 3 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 109 Halifax Ave is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond 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 538 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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