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109 Rooftop Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 109 Rooftop Ct, Stephenson, VA 22656 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,772 sqft · built 2017
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Last Sale$416,804 (Mar 2017)
Tax Bill$2,907 (2026)
Deeds & MortgagesAug 2020 Refinance
Mar 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN44E1-8-51

Property Details

APN / Parcel Number

Primary APN44E1-8-51
Alternative APN
  • 8049998

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,772 sqft Living Area
Gross Area5,005 sqft
1st Floor Area1,285 sqft
Basement Area723 sqft
Finished Basement723 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2023
Exterior MaterialVinyl
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
TerrainRolling
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area124 sqft
Patio Area188 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number8049998
Street Address109 ROOFTOP CT
CitySTEPHENSON
StateVA
Zip22656-1984
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSNOWDEN BRIDGE L51 S8
Legal Subdivision5
Legal Lot Number51
JurisdictionFREDERICK VA
Township / Civil DivisionSTONEWALL
Census Block Group4
Census Block4019
Census Tract50100

Owner

Source: Frederick County records · APN 44E1-8-51

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 Record2 Individual Names on File
Mailing Address109 ROOFTOP CT, STEPHENSON, VA 22656-1984
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
UNITED WHOLESALE MORTGAGE
Mar 17, 2017Special Warranty Deed, Transfer · Conventional Mortgage
NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 17, 2017 · Amount on Record
Deed SaleMar 17, 2017 · Amount on Record
Deed Document Number20172718
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK VA
Property Address109 ROOFTOP CT, STEPHENSON, VA 22656-1984
Transaction TypeMortgage
Record UpdatedDec 23, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000011391
DateAug 26, 2020
Instrument200011391
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueSep 01, 2050
Interest
Rate TypeFixed Rate

March 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionFREDERICK VA
Recording DateMar 17, 2017
Property Address109 ROOFTOP CT, STEPHENSON, VA 22656-1984
Document Number0000002718
Instrument DateMar 13, 2017
Instrument170002718
Transaction TypeTransfer
Record UpdatedMay 28, 2021
Title CompanyNVR SETTLEMENT SERVICES INC

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
Address109 ROOFTOP CT, STEPHENSON, VA 22656-1984
InvestorPossibly a Property Investor

Mortgage

Document Number0000002719
DateMar 17, 2017
Instrument170002719
Lender
NameNVR MORTGAGE FINANCE INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded

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$2,907.00 (+10.41%)$548,500 Land $93,000 Building $455,500$548,500 Land $93,000 Building $455,500
2025$2,633.00

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 510690501004, 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 Policies1 in force

Wildfire

Wildfire RiskLow
above 34% of the US · above 57% of Virginia
Wildfire LikelihoodAbout 1 in 3,704 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 532 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
VerizonFiber2,300 / 2,300
XfinityCable2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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