115 Cool Spring Dr, Stephens City, VA 22655 Property Records

Frederick County property record for 115 Cool Spring Dr, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,180 sqft · built 2004
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$549,900 (Mar 2026)
Tax Bill	$2,600 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Apr 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`75M3-3-143`

Property Details

APN / Parcel Number

Primary APN	`75M3-3-143`
Alternative APN	`8041540`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	2,180 sqft Living Area
Gross Area	4,086 sqft
1st Floor Area	1,070 sqft
Basement Area	1,222 sqft
Finished Basement	1,222 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	152 sqft
Patio Area	112 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	8041540
Street Address	115 COOL SPRING DR
City	STEPHENS CITY
State	VA
Zip	22655-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	THE CAMP AT MOSBY STATION L143 S3
Legal Subdivision	MOSBY STATION
Legal Lot Number	143
Jurisdiction	FREDERICK VA
Township / Civil Division	OPEQUON
Census Block Group	2
Census Block	2009
Census Tract	50805

Owner

Source: Frederick County records, as of August 18, 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 Record
Mailing Address	115 COOL SPRING DR, STEPHENS CITY, VA 22655-4526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Apr 12, 2022	Intrafamily Transfer, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Mar 21, 2025
Deed Document Number	20262197
Prior Transfer Date	Apr 7, 2022
Prior Transfer Doc	0000004574
Record Updated	Sep 20, 2026

March 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 9, 2026
Property Address	115 COOL SPRING DR, STEPHENS CITY, VA 22655-4526
Document Number	0000002197
Instrument Date	Mar 6, 2026
Instrument	260002197
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	CARDINAL TITLE GROUP LLC, CARDINAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	115 COOL SPRING DR, STEPHENS CITY, VA 22655-4526

Mortgage

Document Number	0000002198
Date	Mar 9, 2026
Instrument	260002198

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Apr 12, 2022
Property Address	115 COOL SPRING DR, STEPHENS CITY, VA 22655-4526
Document Number	0000004574
Instrument Date	Apr 7, 2022
Instrument	220004574
Transaction Type	Transfer
Record Updated	May 9, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 COOL SPRING DR, STEPHENS CITY, VA 22655-4526

Mortgage

Document Number	0000004575
Date	Apr 12, 2022
Instrument	220004575

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,600.00 (+10.45%)	$490,500 (-) Land $98,000 Building $392,500	$490,500 (-) Land $98,000 Building $392,500
2025	$2,354.00	$490,500 Land $98,000 Building $392,500	$490,500 Land $98,000 Building $392,500

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

Flood

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	2 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

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	0.01% annual chance
Exposure	Direct burnable vegetation

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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Glo Fiber, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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