120 Merlot Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 120 Merlot Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,083 sqft · built 2013
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$277,000 (Dec 2013)
Tax Bill	$2,538 (2026)
Deeds & Mortgages	Aug 2023 Refinance Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55L2-4-147`

Property Details

APN / Parcel Number

Primary APN	`55L2-4-147`
Alternative APN	`8048246`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	2,083 sqft Living Area
Gross Area	3,775 sqft
1st Floor Area	1,006 sqft
Basement Area	1,006 sqft
Unfinished Basement	1,006 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	63 sqft
Deck 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	8048246
Street Address	120 MERLOT DR
City	STEPHENSON
State	VA
Zip	22656-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L147 S2 P4
Legal Subdivision	RED BUD
Legal Phase	4
Legal Lot Number	147
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1006
Census Tract	51104

Owner

Source: Frederick County assessment roll, as of July 9, 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	120 MERLOT DR, STEPHENSON, VA 22656-2232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Jun 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2013 · Amount on Record
Deed Sale	Dec 27, 2013 · Amount on Record
Prior Sale	Sep 16, 2013 · Amount on Record
Deed Book / Page	1300 / 14410
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	120 MERLOT DR, STEPHENSON, VA 22656-2232
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007003
Date	Aug 14, 2023
Instrument	230007003

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	120 MERLOT DR, STEPHENSON, VA 22656-2232
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005858
Date	Jun 19, 2019
Instrument	190005858

Lender

Name	DITECH FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	120 MERLOT DR, STEPHENSON, VA 22656-2232
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010357
Date	Aug 10, 2020
Instrument	200010357

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Aug 1, 2043

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,538.00 (+10.44%)	$478,800 Land $108,000 Building $370,800	$478,800 Land $108,000 Building $370,800
2025	$2,298.00

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

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 165 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: Shenandoah Telecommunications Company.

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