120 Whetstone Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 120 Whetstone Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1978
Lot Size	5.24 acres (228,254 sqft)
Owner	Individual Name on Record
Last Sale	$549,000 (Jul 2022)
Tax Bill	$2,271 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`555-7`

Property Details

APN / Parcel Number

Primary APN	`555-7`
Alternative APN	`8015951`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	4,335 sqft
1st Floor Area	1,594 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2008
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	228,254 sqft (5.24 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	567 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	132 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8015951
Street Address	120 WHETSTONE CT
City	STEPHENSON
State	VA
Zip	22656-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	OPEQUON HEIGHTS L7 5.24 ACRES
Legal Subdivision	OPEQUON HEIGHTS
Legal Lot Number	7
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1000
Census Tract	51104

Owner

Source: Frederick County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	120 WHETSTONE CT, STEPHENSON, VA 22656-2124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Aug 24, 2005 · Amount on Record
Deed Document Number	20229090
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 19, 2022
Property Address	120 WHETSTONE CT, STEPHENSON, VA 22656-2124
Document Number	0000009090
Instrument Date	Jul 15, 2022
Instrument	220009090
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	120 WHETSTONE CT, STEPHENSON, VA 22656-2124

Mortgage

Document Number	0000009091
Date	Jul 19, 2022
Instrument	220009091

Lender

Name	HOME POINT FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,271.00 (+10.4%)	$428,500 Land $119,800 Building $308,700	$428,500 Land $119,800 Building $308,700
2025	$2,057.00

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	0.03% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Whetstone Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures