118 Setting Sun Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 118 Setting Sun Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,741 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Dec 2021)
Tax Bill	$2,152 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44E1-1-15`

Property Details

APN / Parcel Number

Primary APN	`44E1-1-15`
Alternative APN	`8045904`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,741 sqft Living Area
Gross Area	5,658 sqft
1st Floor Area	1,268 sqft
Basement Area	875 sqft
Finished Basement	875 sqft
Unfinished Basement	1,100 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Terrain	Rolling
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Deck Area	364 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	8045904
Street Address	118 SETTING SUN CT
City	STEPHENSON
State	VA
Zip	22656-1869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L15S1
Legal Subdivision	SNOWDEN BRIDGE SD
Legal Lot Number	15
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

Source: Frederick County records · APN 44E1-1-15

Assessment roll updated July 9, 2026 · Last verified July 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	118 SETTING SUN CT, STEPHENSON, VA 22656-1869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORPORATION
Jul 08, 2019	Grant Deed, Transfer · Conventional Mortgage CITY NAT'L BK/WV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	Jun 21, 2010 · Amount on Record
Deed Document Number	202120630
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	118 SETTING SUN CT, STEPHENSON, VA 22656-1869
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009835
Date	Jul 31, 2020
Instrument	200009835

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2035

Interest

Rate Type	Fixed Rate
Rate	3.25%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 10, 2021
Property Address	118 SETTING SUN CT, STEPHENSON, VA 22656-1869
Document Number	0000020630
Instrument Date	Dec 08, 2021
Instrument	210020630
Transaction Type	Transfer
Record Updated	Jan 05, 2022
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & STLMNTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	118 SETTING SUN CT, STEPHENSON, VA 22656-1869

Mortgage

Document Number	0000020631
Date	Dec 10, 2021
Instrument	210020631

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 08, 2019
Property Address	118 SETTING SUN CT, STEPHENSON, VA 22656-1869
Document Number	0000006679
Instrument Date	Jul 03, 2019
Instrument	6679
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	118 SETTING SUN CT STEPHENSON VA 226561869, STEPHENSON, VA 22656-1869

Mortgage

Document Number	6680
Date	Jul 08, 2019
Instrument	6680

Lender

Name	CITY NAT'L BK/WV
Type	Bank
Address	CROSS LANES, WV 25313

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 07, 2034

Interest

Rate Type	Adjustable Rate
Rate	6%

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$543,000 Land $93,000 Building $450,000	$543,000 Land $93,000 Building $450,000
2025	$2,152.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

Based on FCC filings for 435 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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