156 Slate Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 156 Slate Ln, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,512 sqft · built 1978
Lot Size	6.75 acres (294,030 sqft)
Owner	Individual Name on Record
Tax Bill	$1,683 (2026)
Deeds & Mortgages	Sep 2026 Mortgage May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45A-10P`

Property Details

APN / Parcel Number

Primary APN	`45A-10P`
Alternative APN	`8009229`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	1,512 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	294,030 sqft (6.75 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Wood
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8009229
Street Address	156 SLATE LN
City	STEPHENSON
State	VA
Zip	22656-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LEETOWN LP 6.75 ACRES
Legal Subdivision	LEETOWN
Legal Tract	P
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	2
Census Block	2062
Census Tract	50100

Owner

Source: Frederick County records, as of October 20, 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	156 SLATE LN, STEPHENSON, VA 22656-1834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Special Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE CORPORATION
May 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF CLARKE COUNTY
Apr 26, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2026
Deed Sale	Sep 30, 2026
Prior Sale	Dec 1, 2022 · Amount on Record
Deed Document Number	202610349
Prior Transfer Date	Sep 25, 2026
Prior Transfer Doc	0000010349
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 30, 2026
Property Address	156 SLATE LN, STEPHENSON, VA 22656-1834
Document Number	0000010349
Instrument Date	Sep 25, 2026
Instrument	202610349
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	OLD TITLE, OLD TOWN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 SLATE LN, STEPHENSON, VA 22656-1834

Mortgage

Document Number	0000010350,
Date	Sep 30, 2026
Instrument	202610350

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate	6.25%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	156 SLATE LN, STEPHENSON, VA 22656-1834
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007543
Date	May 5, 2021
Instrument	210007543

Lender

Name	BANK OF CLARKE COUNTY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	156 SLATE LN, STEPHENSON, VA 22656-1834
Document Number	0000005302
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 SLATE LN STEPHENSON VA 226561834, STEPHENSON, VA 22656-1834

Mortgage

Document Number	0000005302
Date	Jun 4, 2019
Instrument	5302

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 3, 2059

Interest

Rate Type	Adjustable 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	$1,683.00 (+10.43%)	$317,500 Land $137,600 Building $179,900	$317,500 Land $137,600 Building $179,900
2025	$1,524.00

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	6 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jan 2024

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	Moderate above 40% of the US · above 65% 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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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