122 Rooftop Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 122 Rooftop Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,650 sqft · built 2016
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Jan 2022)
Tax Bill	$3,682 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44E1-8-25`

Property Details

APN / Parcel Number

Primary APN	`44E1-8-25`
Alternative APN	`8049972`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,650 sqft Living Area
Gross Area	6,378 sqft
1st Floor Area	1,770 sqft
Basement Area	1,328 sqft
Finished Basement	1,328 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Terrain	Rolling
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Patio Area	408 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	8049972
Street Address	122 ROOFTOP CT
City	STEPHENSON
State	VA
Zip	22656-1983
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L25 S8
Legal Subdivision	5
Legal Lot Number	25
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

Source: Frederick County records · APN 44E1-8-25

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	122 ROOFTOP CT, STEPHENSON, VA 22656-1983
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Apr 27, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Jul 24, 2020	Deed of Trust, Mortgage · Commercial Mortgage BANK OF CLARKE COUNTY
Jan 04, 2022	Warranty Deed, Transfer STEWART TITLE, STEWART TITLE & ESCROW INC
Aug 21, 2019	Grant Deed, Transfer OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2022 · Amount on Record
Deed Sale	Jan 04, 2022 · Amount on Record
Prior Sale	Aug 21, 2019 · Amount on Record
Deed Document Number	2022182
Last Transfer Date	Apr 24, 2026
Transfer Doc	0000004105
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Jun 26, 2026
Property Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983
Document Number	0000006526
Instrument Date	Jun 18, 2026
Instrument	20266526
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983

Mortgage

Document Number	0000006526,
Date	Jun 26, 2026
Instrument	20266526

Lender

Name	MERCHANTS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2036

Interest

Rate	6.51%
Max Rate	-1%

April 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 27, 2026
Property Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983
Document Number	0000004105
Instrument Date	Apr 24, 2026
Instrument	20264105
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009435
Date	Jul 24, 2020
Instrument	200009435

Lender

Name	BANK OF CLARKE COUNTY

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 04, 2022
Property Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983
Document Number	0000000182
Instrument Date	Dec 21, 2021
Instrument	220000182
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	STEWART TITLE, STEWART TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
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	1306 SQUIRE CT UNIT B, B, STERLING, VA 20166-8944

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 21, 2019
Property Address	122 ROOFTOP CT, STEPHENSON, VA 22656-1983
Document Number	0000008537
Instrument Date	Aug 21, 2019
Instrument	8537
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO

Transaction

Amount	Amount Recorded
Tax	$419.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 ROOFTOP CT STEPHENSON VA 226561983, STEPHENSON, VA 22656-1983

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	$3,682.00 (+10.4%)	$694,800 (-) Land $93,000 Building $601,800	$694,800 (-) Land $93,000 Building $601,800
2025	$3,335.00	$694,800 Land $93,000 Building $601,800	$694,800 Land $93,000 Building $601,800

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 66% of the US · above 56% 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 532 locations within half a mile of this property.

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