109 Sawtooth Dr, Stephenson, VA 22656 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,618 sqft · built 2008
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$283,299 (Jun 2020)
Tax Bill	$2,140 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E1-1-5`

Property Details

APN / Parcel Number

Primary APN	`44E1-1-5`
Alternative APN	`8045894`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	1,618 sqft Living Area
Gross Area	3,018 sqft
1st Floor Area	802 sqft
Basement Area	802 sqft
Finished Basement	802 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Deck Area	110 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	8045894
Street Address	109 SAWTOOTH DR
City	STEPHENSON
State	VA
Zip	22656-1848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L5 S1
Legal Subdivision	5
Legal Lot Number	5
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

109 Sawtooth Dr is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	109 SAWTOOTH DR, STEPHENSON, VA 22656-1848
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Prior Sale	Aug 31, 2010 · Amount on File
Deed Document Number	20207121
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 12, 2020
Property Address	109 SAWTOOTH DR, STEPHENSON, VA 22656-1848
Document Number	0000007121
Instrument Date	Jun 9, 2020
Instrument	200007121
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	RGS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 SAWTOOTH DR, STEPHENSON, VA 22656-1848

Mortgage

Document Number	0000007122
Date	Jun 12, 2020
Instrument	200007122

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 109 Sawtooth Dr was $2,140, 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	$2,140.00 (+10.42%)	$403,760 Land $93,000 Building $310,760	$403,760 Land $93,000 Building $310,760
2025	$1,938.00

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

Flood

FEMA maps place 109 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

Wildfire risk around 109 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.

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