115 Gretchen Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 115 Gretchen Ct, Stephenson, VA 22656

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,016 sqft · built 2013
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$439,990 (Apr 2026)
Tax Bill	$2,172 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E3-1-87`

Property Details

APN / Parcel Number

Primary APN	`44E3-1-87`
Alternative APN	`8048475`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
Gross Area	3,168 sqft
1st Floor Area	1,008 sqft
Basement Area	666 sqft
Finished Basement	666 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	342 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 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	8048475
Street Address	115 GRETCHEN CT
City	STEPHENSON
State	VA
Zip	22656-1890
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L87 S3
Legal Subdivision	5
Legal Lot Number	87
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

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 GRETCHEN CT, STEPHENSON, VA 22656-1890
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	20264309
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 30, 2026
Property Address	115 GRETCHEN CT, STEPHENSON, VA 22656-1890
Document Number	0000004309
Instrument Date	Apr 28, 2026
Instrument	2026.4309
Transaction Type	Transfer
Record Updated	May 13, 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	$44,438.99
Amount Accuracy	Calculated from Transfer Tax
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 GRETCHEN CT, STEPHENSON, VA 22656-1890

Mortgage

Document Number	0000004310,
Date	Apr 30, 2026
Instrument	2026..4310

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 29, 2019
Property Address	115 GRETCHEN CT, STEPHENSON, VA 22656-1890
Document Number	0000003885
Instrument Date	Apr 29, 2019
Instrument	190003885
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	115 GRETCHEN CT, STEPHENSON, VA 22656-1890

Mortgage

Document Number	0000003886
Date	Apr 29, 2019
Instrument	190003886

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,172.00 (+10.42%)	$409,800 (-) Land $68,000 Building $341,800	$409,800 (-) Land $68,000 Building $341,800
2025	$1,967.00	$409,800 Land $68,000 Building $341,800	$409,800 Land $68,000 Building $341,800

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.04% 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 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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