116 Gristmill Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 116 Gristmill Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,952 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$305,375 (Apr 2018)
Tax Bill	$2,384 (2026)
Deeds & Mortgages	Jun 2023 Second Mortgage Jan 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44E1-9-30`

Property Details

APN / Parcel Number

Primary APN	`44E1-9-30`
Alternative APN	`8050345`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,952 sqft Living Area
Gross Area	3,540 sqft
1st Floor Area	932 sqft
Basement Area	653 sqft
Finished Basement	653 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8050345
Street Address	116 GRISTMILL CT
City	STEPHENSON
State	VA
Zip	22656-1995
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L30 S9
Legal Subdivision	5
Legal Lot Number	30
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

116 Gristmill Ct is owned and occupied by an individual who bought it in April 2018.

Source: Frederick County records, as of August 18, 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	Individual Name on File
Mailing Address	116 GRISTMILL CT, STEPHENSON, VA 22656-1995
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 14, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Feb 6, 2019	Deed of Trust, Mortgage PENNYMAC
Apr 3, 2018	Deed of Trust, Mortgage · FHA Mortgage NVR MTG
Apr 5, 2018	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2018 · Amount on File
Deed Sale	Apr 5, 2018 · Amount on File
Deed Document Number	20183135
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	116 GRISTMILL CT, STEPHENSON, VA 22656-1995
Transaction Type	Mortgage
Record Updated	Jun 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004697
Date	Jun 8, 2023
Instrument	230004697

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	309 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	116 GRISTMILL CT, STEPHENSON, VA 22656-1995
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000789
Date	Jan 14, 2021
Instrument	210000789

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	338 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	116 GRISTMILL CT, STEPHENSON, VA 22656-1995
Document Number	0000001180
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	116 GRISTMILL CT STEPHENSON VA 226561995, STEPHENSON, VA 22656-1995

Mortgage

Document Number	0000001180
Date	Feb 11, 2019
Instrument	1180

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	116 GRISTMILL CT, STEPHENSON, VA 22656-1995
Document Number	0000003136
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	May 5, 2018
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 GRISTMILL CT STEPHENSON VA 22656, STEPHENSON, VA 22656

Mortgage

Document Number	0000003136
Date	Apr 5, 2018
Instrument	3136

Lender

Name	NVR MTG
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2048

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 5, 2018
Property Address	116 GRISTMILL CT, STEPHENSON, VA 22656-1995
Document Number	0000003135
Instrument Date	Mar 14, 2018
Instrument	180003135
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	STEWART TITLE GUARANTY CO

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	116 GRISTMILL CT, STEPHENSON, VA 22656-1995

Mortgage

Document Number	0000003136
Date	Apr 5, 2018
Instrument	180003136

Lender

Name	NVR MORTGAGE FINANCE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 116 Gristmill Ct was $2,384, 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	$2,384.00 (+10.37%)	$449,900 Land $93,000 Building $356,900	$449,900 Land $93,000 Building $356,900
2025	$2,160.00

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

Flood

FEMA maps place 116 Gristmill Ct 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 116 Gristmill Ct 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 532 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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