114 Lattice Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 114 Lattice Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,385 sqft · built 2013
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Oct 2026)
Tax Bill	$2,581 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-54`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-54`
Alternative APN	`8048311`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,385 sqft Living Area
Gross Area	4,223 sqft
1st Floor Area	1,093 sqft
Basement Area	652 sqft
Finished Basement	652 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Terrain	Rolling
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Deck Area	280 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	8048311
Street Address	114 LATTICE DR
City	STEPHENSON
State	VA
Zip	22656-1889
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L54 S2
Legal Subdivision	5
Legal Lot Number	54
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4030
Census Tract	50100

Owner

114 Lattice Dr is owned and occupied by two individuals who bought it in October 2026.

Source: Frederick County records, as of October 20, 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	2 Individual Names on File
Mailing Address	114 LATTICE DR, STEPHENSON, VA 22656-1889
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE
Jan 11, 2023	Warranty Deed, Transfer · FHA Mortgage CITY LENDING INC
Mar 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Sep 26, 2017	Quit Claim Deed, Transfer CHAMPION TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2026 · Amount on File
Deed Sale	Oct 6, 2026 · Amount on File
Prior Sale	Jan 11, 2023 · Amount on File
Deed Document Number	202610562
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 6, 2026
Property Address	114 LATTICE DR, STEPHENSON, VA 22656-1889
Document Number	0000010562
Instrument Date	Sep 23, 2026
Instrument	202610562
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55,045.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 LATTICE DR, STEPHENSON, VA 22656-1889

Mortgage

Document Number	0000010563,
Date	Oct 6, 2026
Instrument	202610563

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 11, 2023
Property Address	114 LATTICE DR, STEPHENSON, VA 22656-1889
Document Number	0000000259
Instrument Date	Dec 28, 2022
Instrument	230000259
Transaction Type	Transfer
Record Updated	Jan 25, 2023
Title Company	NOT AVAILABLE, THE AMERICAS TITLE GROUP 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	114 LATTICE DR, STEPHENSON, VA 22656-1889

Mortgage

Document Number	0000000260
Date	Jan 11, 2023
Instrument	230000260

Lender

Name	CITY LENDING INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.13%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	114 LATTICE DR, STEPHENSON, VA 22656-1889
Document Number	0000004077
Instrument Date	Mar 7, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	114 LATTICE DR STEPHENSON VA 226561889, STEPHENSON, VA 22656-1889

Mortgage

Document Number	0000004077
Date	Apr 9, 2020
Instrument	4077

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 26, 2017
Property Address	114 LATTICE DR, STEPHENSON, VA 22656-1889
Document Number	0000009964
Instrument Date	Sep 22, 2017
Instrument	9964
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHAMPION TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3201 JERMANTOWN RD #150 FAIRFAX VA 220302875, 150, FAIRFAX, VA 22030-2875

Tax Assessment & Valuation

The 2026 property tax bill for 114 Lattice Dr was $2,581, 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	$2,581.00 (+10.39%)	$487,000 (-) Land $93,000 Building $394,000	$487,000 (-) Land $93,000 Building $394,000
2025	$2,338.00	$487,000 Land $93,000 Building $394,000	$487,000 Land $93,000 Building $394,000

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

Flood

FEMA maps place 114 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 114 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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