127 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 127 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,515 sqft · built 2015
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$210,385 (Dec 2015)
Tax Bill	$1,751 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-2-4`

Property Details

APN / Parcel Number

Primary APN	`756-2-4`
Alternative APN	`8049414`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,515 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	750 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Patio Area	231 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8049414
Street Address	127 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6012
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L4S2
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	4
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2040
Census Tract	50900

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	127 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Feb 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL CENTER LLC
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CTR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2015 · Amount on Record
Deed Sale	Dec 31, 2015 · Amount on Record
Deed Document Number	201512899
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	127 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6012
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005212
Date	Apr 25, 2022
Instrument	220005212

Lender

Name	FIRST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	127 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6012
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002469
Date	Feb 11, 2021
Instrument	210002469

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	127 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6012
Document Number	0000003512
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 SCHRAMM LOOP STEPHENS CITY VA 226556012, STEPHENS CITY, VA 22655-6012

Mortgage

Document Number	0000003512
Date	Mar 26, 2020
Instrument	3512

Lender

Name	CAPITAL CTR
Type	Funding / Finance Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

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	$1,751.00 (+10.4%)	$330,400 Land $68,000 Building $262,400	$330,400 Land $68,000 Building $262,400
2025	$1,586.00

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	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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Glo Fiber.

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