Frederick County property record for 114 Merlot Dr, Stephenson, VA 22656 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,389 sqft · built 2014 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $337,558 (Jul 2014) |
| Tax Bill | $2,604 (2026) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Jan 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 55L2-4-144 |
| Primary APN | 55L2-4-144 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 19 Rooms |
| Stories | 2 Stories |
| Building Area | 2,389 sqft Living Area |
| Gross Area | 4,720 sqft |
| 1st Floor Area | 1,169 sqft |
| Basement Area | 1,169 sqft |
| Unfinished Basement | 1,169 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Terrain | Rolling |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 145 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8048243 |
|---|---|
| Street Address | 114 MERLOT DR |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-2232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RED BUD RUN L144 S2 P4 |
| Legal Subdivision | RED BUD |
| Legal Phase | 4 |
| Legal Lot Number | 144 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 51104 |
Source: Frederick County records · APN 55L2-4-144
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 114 MERLOT DR, STEPHENSON, VA 22656-2232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMONWEALTH ONE FEDERAL CREDIT UNION |
| Jan 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Sep 07, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 11, 2014 · Amount on Record |
| Deed Sale | Jul 11, 2014 · Amount on Record |
| Deed Book / Page | 1400 / 5646 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 114 MERLOT DR, STEPHENSON, VA 22656-2232 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000007913 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 230007913 |
| Name | COMMONWEALTH ONE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 26, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 114 MERLOT DR, STEPHENSON, VA 22656-2232 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | FRANKLIN TITLE GROUP LLC, FRANKLIN TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000001207 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 210001207 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 114 MERLOT DR, STEPHENSON, VA 22656-2232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | THE SETTLEMENT OFFICE INC |
| Name | Verified Name |
|---|
| Document Number | 0000009252 |
|---|---|
| Date | Sep 07, 2017 |
| Instrument | 170009252 |
| Name | US BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
| Rate Type | Fixed Rate |
|---|
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,604.00 (+10.39%) | $491,400 Land $108,000 Building $383,400 | $491,400 Land $108,000 Building $383,400 |
| 2025 | $2,359.00 |
Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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