149 Carter's Ln, Stephens City, VA 22655 Property Records

Frederick County property record for 149 Carter's Ln, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,054 sqft · built 1973
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Nov 2025)
Tax Bill	$2,767 (2026)
Deeds & Mortgages	Nov 2025 Sale May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74A-10E`

Property Details

APN / Parcel Number

Primary APN	`74A-10E`
Alternative APN	`8023346`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,054 sqft Living Area
Gross Area	6,043 sqft
1st Floor Area	2,582 sqft
Basement Area	1,993 sqft
Unfinished Basement	1,993 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	136,343 sqft (3.13 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	1,440 sqft
Parking Spaces	1 Parking Space
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8023346
Street Address	149 CARTERS LN
City	STEPHENS CITY
State	VA
Zip	22655-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	3.13 ACRES
Jurisdiction	FREDERICK VA
Township / Civil Division	BACK CREEK
Census Block Group	2
Census Block	2004
Census Tract	50600

Owner

149 Carter's Ln is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	149 CARTERS LN, STEPHENS CITY, VA 22655-5210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Bargain and Sale Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO
May 19, 2017	Grant Deed, Transfer · Conventional Mortgage BANK OF ROMNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Document Number	202511758
Prior Transfer Date	Jul 3, 2024
Prior Transfer Doc	0000006255
Record Updated	Sep 20, 2026

November 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 21, 2025
Property Address	149 CARTERS LN, STEPHENS CITY, VA 22655-5210
Document Number	0000011758
Instrument Date	Nov 19, 2025
Instrument	250011758
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	149 CARTERS LN, STEPHENS CITY, VA 22655-5210

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	May 19, 2017
Property Address	149 CARTERS LN, STEPHENS CITY, VA 22655-5210
Document Number	0000004954
Instrument Date	May 18, 2017
Instrument	4954
Transaction Type	Transfer
Record Updated	Jun 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	149 CARTERS LN STEPHENS CITY VA 226555210, STEPHENS CITY, VA 22655-5210

Mortgage

Document Number	4955
Date	May 19, 2017
Instrument	4955

Lender

Name	BANK OF ROMNEY
Type	Bank
Address	CAPON BRIDGE, WV 26711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 149 Carter's Ln was $2,767, up 10.4% from the year before.

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	$2,767.00 (+10.42%)	$522,100 (-) Land $109,000 Building $413,100	$522,100 (-) Land $109,000 Building $413,100
2025	$2,506.00 (+110.41%)	$522,100 Land $109,000 Building $413,100	$522,100 Land $109,000 Building $413,100
2024	$1,191.00

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

Flood

FEMA maps place 149 Carter's Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 149 Carter's Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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