Frederick County property record for 115 Megan Ln, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,420 sqft · built 2016 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Trust Name on File |
| Last Sale | $343,081 (Mar 2016) |
| Tax Bill | $2,806 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 55L3-1-237 |
| Primary APN | 55L3-1-237 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,420 sqft Living Area |
| Gross Area | 4,476 sqft |
| 1st Floor Area | 1,198 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 864 sqft |
| Unfinished Basement | 1,199 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 174 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8049346 |
|---|---|
| Street Address | 115 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 L237 S3 P1 |
| Legal Subdivision | RED BUD |
| Legal Phase | 1 |
| Legal Lot Number | 237 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 51104 |
115 Megan Ln is owner-occupied and held in a trust since March 2016.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 115 MEGAN LN, STEPHENSON, VA 22656-2233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance COLONIAL SAVINGS FA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2016 · Amount on File |
| Deed Sale | Mar 14, 2016 · Amount on File |
| Deed Document Number | 20162098 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 115 MEGAN LN, STEPHENSON, VA 22656-2233 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|
| Document Number | 0000003113 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 220003113 |
| Name | TRUIST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 115 MEGAN LN, STEPHENSON, VA 22656-2233 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004495 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 210004495 |
| Name | COLONIAL SAVINGS FA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
The 2026 property tax bill for 115 Megan Ln was $2,806, up 10.4% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,806.00 (+10.39%) | $529,500 Land $108,000 Building $421,500 | $529,500 Land $108,000 Building $421,500 |
| 2025 | $2,542.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 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 risk around 115 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.
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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