119 Mackenzie Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 119 Mackenzie Ln, Stephenson, VA 22656 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,192 sqft · built 2005
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Apr 2020)
Tax Bill	$3,348 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-13`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-13`
Alternative APN	`8041965`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,192 sqft Living Area
Gross Area	5,518 sqft
1st Floor Area	1,476 sqft
Basement Area	796 sqft
Finished Basement	796 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Terrain	Rolling
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	198 sqft
Patio Area	192 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	8041965
Street Address	119 MACKENZIE LN
City	STEPHENSON
State	VA
Zip	22656-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RED BUD RUN L13 S1
Legal Subdivision	RED BUD
Legal Lot Number	13
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1005
Census Tract	51104

Owner

Source: Frederick County records · APN 55L1-1-13

Assessment roll updated July 9, 2026 · Last verified August 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	119 MACKENZIE LN, STEPHENSON, VA 22656-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit APPLE FCU
Jul 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ATLANTIC UNION BANK
Jan 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC UNION BANK
Apr 23, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK
Apr 23, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2020 · Amount on Record
Deed Sale	Apr 23, 2020 · Amount on Record
Prior Sale	Apr 23, 2020 · Amount on Record
Deed Document Number	20204690
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	119 MACKENZIE LN, STEPHENSON, VA 22656-2219
Transaction Type	Mortgage
Record Updated	Nov 06, 2025
Title Company	HAMPTON TITLE LLC, CHAMPION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010455
Date	Oct 17, 2025
Instrument	250010455

Lender

Name	APPLE FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	119 MACKENZIE LN, STEPHENSON, VA 22656-2219
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008934
Date	Jul 15, 2022
Instrument	220008934

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	119 MACKENZIE LN, STEPHENSON, VA 22656-2219
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	LEGACY PK TITLE LLC, LEGACY PARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001669
Date	Jan 29, 2021
Instrument	210001669

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 23, 2020
Property Address	119 MACKENZIE LN, STEPHENSON, VA 22656-2219
Document Number	0000004690
Instrument Date	Mar 26, 2020
Instrument	200004690
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	LEGACY PARK TITLE LLC

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	119 MACKENZIE LN, STEPHENSON, VA 22656-2219

Mortgage

Document Number	0000004691
Date	Apr 23, 2020
Instrument	200004691

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 23, 2020
Property Address	119 MACKENZIE LN, STEPHENSON, VA 22656-2219
Document Number	0000004689
Instrument Date	Feb 27, 2020
Instrument	4689
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 MACKENZIE LN STEPHENSON VA 226562219, STEPHENSON, VA 22656-2219

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 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	$3,348.00 (+10.42%)	$631,700 Land $108,000 Building $523,700	$631,700 Land $108,000 Building $523,700
2025	$3,032.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690511041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 8,333 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 242 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 2,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Shenandoah Telecommunications Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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