Frederick County property record for 161 Christmas Tree Ln, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,876 sqft · built 2003 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Apr 2010) |
| Tax Bill | $4,109 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 45A-25C |
| Primary APN | 45A-25C |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,876 sqft Living Area |
| Gross Area | 8,243 sqft |
| 1st Floor Area | 1,773 sqft |
| Basement Area | 1,722 sqft |
| Unfinished Basement | 1,722 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 261,360 sqft (6 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 784 sqft |
| Deck Area | 779 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8040208 |
|---|---|
| Street Address | 161 CHRISTMAS TREE LN |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 6.00 ACRES LOT 1 |
| Legal Subdivision | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 50100 |
161 Christmas Tree Ln is owned and occupied by two individuals who bought it in April 2010.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 161 CHRISTMAS TREE LN, STEPHENSON, VA 22656-1951 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2010 · Amount on File |
| Deed Sale | Apr 1, 2010 · Amount on File |
| Prior Sale | Jun 11, 2009 · Amount on File |
| Deed Book / Page | 1000 / 2916 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 161 CHRISTMAS TREE LN, STEPHENSON, VA 22656-1951 |
| Document Number | 0000002521 |
| Instrument Date | Mar 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 CHRISTMAS TREE LN STEPHENSON VA 226561951, STEPHENSON, VA 22656-1951 |
| Document Number | 0000002521 |
|---|---|
| Date | Mar 19, 2018 |
| Instrument | 2521 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2048 |
The 2026 property tax bill for 161 Christmas Tree Ln was $4,109, 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 | $4,109.00 (+10.43%) | $775,260 Land $130,500 Building $644,760 | $775,260 Land $130,500 Building $644,760 |
| 2025 | $3,721.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 161 Christmas Tree 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 161 Christmas Tree 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 66% of the US · above 56% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% 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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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