Frederick County property record for 130 Oak Hill Ln, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,321 sqft · built 1986 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Sep 2018) |
| Tax Bill | $2,436 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 446-7 |
| Primary APN | 446-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,321 sqft Living Area |
| Gross Area | 4,590 sqft |
| 1st Floor Area | 1,837 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 1,260 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8028166 |
|---|---|
| Street Address | 130 OAK HILL LN |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | EDGEHILL L7 S2 5.00 ACRES |
| Legal Subdivision | EDGEHILL |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 50100 |
130 Oak Hill Ln is owned and occupied by an individual who bought it in September 2018.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| 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 |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Jan 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE OF AMERICA MORTGAGE LLC |
| Feb 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Sep 17, 2018 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2018 · Amount on File |
| Deed Sale | Sep 17, 2018 · Amount on File |
| Prior Sale | Nov 2, 2016 · Amount on File |
| Deed Document Number | 20189140 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | May 15, 2026 |
| Property Address | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| Document Number | 0000004878 |
| Instrument Date | May 9, 2026 |
| Instrument | 20264878 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| Document Number | 0000004878, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 20264878 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 13, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | DIRECT TITLE SOLUTIONS INC |
| Name | Verified Name |
|---|
| Document Number | 0000001537 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 210001537 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0000002017 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 200002017 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 17, 2018 |
| Property Address | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| Document Number | 0000009140 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 180009140 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | 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 | 130 OAK HILL LN, STEPHENSON, VA 22656-1818 |
| Document Number | 0000009142 |
|---|---|
| Date | Sep 17, 2018 |
| Instrument | 180009142 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 130 Oak Hill Ln was $2,436, up 10.4% 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 | $2,436.00 (+10.43%) | $459,588 (-) Land $119,000 Building $340,588 | $459,588 (-) Land $119,000 Building $340,588 |
| 2025 | $2,206.00 | $459,588 Land $119,000 Building $340,588 | $459,588 Land $119,000 Building $340,588 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 Oak Hill Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 | 1 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 130 Oak Hill Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 60% of Virginia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Starlink Satellite | 280 / 30 |
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