157 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 157 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,736 sqft · built 2016
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,500 (Feb 2019)
Tax Bill	$1,930 (2026)
Deeds & Mortgages	Mar 2021 Refinance Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-3-14`

Property Details

APN / Parcel Number

Primary APN	`756-3-14`
Alternative APN	`8049836`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,736 sqft Living Area
Gross Area	2,768 sqft
1st Floor Area	868 sqft
Basement Area	667 sqft
Finished Basement	667 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8049836
Street Address	157 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6014
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L14 S3
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	14
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	2 Individual Names on Record
Mailing Address	157 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance FLAGSTAR BANK FSB
Feb 1, 2019	Grant Deed, Transfer · VA Mortgage PRIMELENDING
Mar 6, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage MCLEAN MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2019 · Amount on Record
Deed Sale	Feb 1, 2019 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Deed Document Number	2019923
Last Transfer Date	Mar 22, 2021
Transfer Doc	0000005197
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Mar 29, 2021
Property Address	157 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Document Number	0000005197
Instrument Date	Mar 22, 2021
Instrument	210005197
Transaction Type	Transfer
Record Updated	May 28, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014

Mortgage

Document Number	0000005198
Date	Mar 29, 2021
Instrument	210005198

Lender

Name	FLAGSTAR BANK FSB

Agreement

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

Interest

Rate Type	Fixed Rate

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 1, 2019
Property Address	157 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Document Number	0000000923
Instrument Date	Jan 26, 2019
Instrument	923
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$242.50
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	157 SCHRAMM LOOP STEPHENS CITY VA 226556014, STEPHENS CITY, VA 22655-6014

Mortgage

Document Number	924
Date	Feb 1, 2019
Instrument	924

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2049

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 6, 2017
Property Address	157 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Document Number	0000002314
Instrument Date	Feb 28, 2017
Instrument	170002314
Transaction Type	Subdivision Related Transfer
Record Updated	May 28, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	157 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014

Mortgage

Document Number	0000002315
Date	Mar 6, 2017
Instrument	170002315

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$1,930.00 (+10.41%)	$364,200 Land $68,000 Building $296,200	$364,200 Land $68,000 Building $296,200
2025	$1,748.00

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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