163 Merlot Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 163 Merlot Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 2011
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Feb 2024)
Tax Bill	$2,392 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55L2-6-165`

Property Details

APN / Parcel Number

Primary APN	`55L2-6-165`
Alternative APN	`8048152`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
Gross Area	3,740 sqft
1st Floor Area	1,570 sqft
Basement Area	1,570 sqft
Unfinished Basement	1,570 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Deck Area	170 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8048152
Street Address	163 MERLOT DR
City	STEPHENSON
State	VA
Zip	22656-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L165 S2P6
Legal Subdivision	RED BUD
Legal Lot Number	165
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1005
Census Tract	51104

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	Individual Name on Record
Mailing Address	163 MERLOT DR, STEPHENSON, VA 22656-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Feb 28, 2024	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPOR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Prior Sale	Jul 13, 2011 · Amount on Record
Deed Document Number	20241525
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	163 MERLOT DR, STEPHENSON, VA 22656-2231
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 MERLOT DR, STEPHENSON, VA 22656-2231

Mortgage

Document Number	0000009555
Date	Sep 26, 2025
Instrument	250009555

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 28, 2024
Property Address	163 MERLOT DR, STEPHENSON, VA 22656-2231
Document Number	0000001525
Instrument Date	Feb 26, 2024
Instrument	240001525
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

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	163 MERLOT DR, STEPHENSON, VA 22656-2231

Mortgage

Document Number	0000001526
Date	Feb 28, 2024
Instrument	240001526

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPOR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$2,392.00 (+10.38%)	$451,400 (+18.76%) Land $108,000 Building $343,400	$451,400 (+18.76%) Land $108,000 Building $343,400
2025	$2,167.00 (+123.63%)
2023	$969.00	$380,100 Land $92,000 Building $288,100	$380,100 Land $92,000 Building $288,100

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	0.02% 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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber.

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