111 Megan Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 111 Megan Ln, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,989 sqft · built 2016
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$296,888 (Jun 2016)
Tax Bill	$2,364 (2026)
Deeds & Mortgages	Jul 2022 Second Mortgage Jan 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`55L3-1-235`

Property Details

APN / Parcel Number

Primary APN	`55L3-1-235`
Alternative APN	`8049344`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,989 sqft Living Area
Gross Area	4,070 sqft
1st Floor Area	1,017 sqft
Basement Area	1,017 sqft
Unfinished Basement	1,017 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Terrain	Rolling
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Patio Area	540 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	8049344
Street Address	111 MEGAN LN
City	STEPHENSON
State	VA
Zip	22656-2233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L235 S3 P1
Legal Subdivision	RED BUD
Legal Phase	1
Legal Lot Number	235
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1007
Census Tract	51104

Owner

111 Megan Ln is owned and occupied by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	111 MEGAN LN, STEPHENSON, VA 22656-2233
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

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK OF CLARKE COUNTY
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2016 · Amount on File
Deed Sale	Jun 27, 2016 · Amount on File
Prior Sale	Oct 27, 2015 · Amount on File
Deed Document Number	20165858
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	111 MEGAN LN, STEPHENSON, VA 22656-2233
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009317
Date	Jul 25, 2022
Instrument	220009317

Lender

Name	BANK OF CLARKE COUNTY

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 20, 2037

Interest

Rate Type	Fixed Rate
Rate	5.13%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	111 MEGAN LN, STEPHENSON, VA 22656-2233
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001511
Date	Jan 26, 2021
Instrument	210001511

Lender

Name	ATLANTIC UNION BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.38%

Tax Assessment & Valuation

The 2026 property tax bill for 111 Megan Ln was $2,364, 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	$2,364.00 (+10.42%)	$446,000 Land $108,000 Building $338,000	$446,000 Land $108,000 Building $338,000
2025	$2,141.00

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

Flood

FEMA maps place 111 Megan Ln 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	5 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 111 Megan Ln 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
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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber.

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