109 Lattice Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 109 Lattice Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,679 sqft · built 2013
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$542,000 (Mar 2026)
Tax Bill	$2,746 (2026)
Deeds & Mortgages	Nov 2021 Refinance Jan 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44E3-1-17`

Property Details

APN / Parcel Number

Primary APN	`44E3-1-17`
Alternative APN	`8048405`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,679 sqft Living Area
Gross Area	4,389 sqft
1st Floor Area	1,235 sqft
Basement Area	535 sqft
Finished Basement	535 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Terrain	Rolling
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 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	8048405
Street Address	109 LATTICE DR
City	STEPHENSON
State	VA
Zip	22656-1885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L17 S3
Legal Subdivision	5
Legal Lot Number	17
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4029
Census Tract	50100

Owner

109 Lattice Dr is owned and occupied by an individual who bought it in March 2026.

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

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

Owner of Record	Individual Name on File
Mailing Address	109 LATTICE DR, STEPHENSON, VA 22656-1885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jan 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Mar 27, 2026	Warranty Deed, Transfer · USDA Mortgage HOME SAVINGS & TRUST MORTGAGE
Jul 9, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage APPLE FEDERAL CREDIT UNION
Aug 14, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on File
Deed Sale	Mar 27, 2026 · Amount on File
Prior Sale	May 7, 2013 · Amount on File
Deed Document Number	20262920
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	109 LATTICE DR, STEPHENSON, VA 22656-1885
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019857
Date	Nov 29, 2021
Instrument	210019857

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	109 LATTICE DR, STEPHENSON, VA 22656-1885
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000237
Date	Jan 11, 2024
Instrument	240000237

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2044

Interest

Rate Type	Fixed Rate

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 27, 2026
Property Address	109 LATTICE DR, STEPHENSON, VA 22656-1885
Document Number	0000002920
Map Reference	DOC 1200097123
Instrument Date	Mar 26, 2026
Instrument	260002920
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$542.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LATTICE DR, STEPHENSON, VA 22656-1885

Mortgage

Document Number	0000002921
Date	Mar 27, 2026
Instrument	260002921

Lender

Name	HOME SAVINGS & TRUST MORTGAGE
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	109 LATTICE DR, STEPHENSON, VA 22656-1885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHAMPION TITLE & STLMNTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006744
Date	Jul 9, 2019
Instrument	190006744

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	109 LATTICE DR, STEPHENSON, VA 22656-1885
Document Number	0000008494
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LATTICE DR STEPHENSON VA 226561885, STEPHENSON, VA 22656-1885

Mortgage

Document Number	0000008494
Date	Aug 21, 2017
Instrument	8494

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 109 Lattice Dr was $2,746, 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	$2,746.00 (+10.41%)	$518,075 (-) Land $93,000 Building $425,075	$518,075 (-) Land $93,000 Building $425,075
2025	$2,487.00	$518,075 Land $93,000 Building $425,075	$518,075 Land $93,000 Building $425,075

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

Flood

FEMA maps place 109 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 109 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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