Frederick County property record for 120 Accomack Cir, Stephens City, VA 22655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,600 sqft · built 1985 |
| Lot Size | 0.35 acres (15,363 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Jul 2021) |
| Tax Bill | $1,786 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 75E1-3-220 |
| Primary APN | 75E1-3-220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 2,868 sqft |
| 1st Floor Area | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,363 sqft (0.35 acres) |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 24 sqft |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8024012 |
|---|---|
| Street Address | 120 ACCOMACK CIR |
| City | STEPHENS CITY |
| State | VA |
| Zip | 22655-2707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | FREDERICKTOWNE L220 S3 |
| Legal Subdivision | FREDERICKTOWNE |
| Legal Lot Number | 220 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | OPEQUON |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 50804 |
120 Accomack Cir is owned and occupied by an individual who bought it in July 2021.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| Jul 19, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Jan 30, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Oct 28, 2019 | Grant Deed, Transfer · FHA Mortgage FREEDOM BK/VA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2021 · Amount on File |
| Deed Sale | Jul 19, 2021 · Amount on File |
| Prior Sale | Oct 28, 2019 · Amount on File |
| Deed Document Number | 202112023 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 22, 2026 |
| Property Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Document Number | 0000006308 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 20266308 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Document Number | 0000006308, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 20266308 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 15, 2066 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 19, 2021 |
| Property Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Document Number | 0000012023 |
| Instrument Date | Jul 3, 2021 |
| Instrument | 210012023 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Document Number | 0000012024 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 210012024 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001040 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 170001040 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2027 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Oct 28, 2019 |
| Property Address | 120 ACCOMACK CIR, STEPHENS CITY, VA 22655-2707 |
| Document Number | 0000011465 |
| Instrument Date | Oct 25, 2019 |
| Instrument | 11465 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.35 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 120 ACCOMACK CIR STEPHENS CITY VA 226552707, STEPHENS CITY, VA 22655-2707 |
| Document Number | 11466 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 11466 |
| Name | FREEDOM BK/VA |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 27, 2049 |
The 2026 property tax bill for 120 Accomack Cir was $1,786, up 10.5% 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 | $1,786.00 (+10.45%) | $336,972 Land $88,000 Building $248,972 | $336,972 Land $88,000 Building $248,972 |
| 2025 | $1,617.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Accomack Cir 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 | 3 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 120 Accomack Cir is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
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