163 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 163 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,804 sqft · built 2016
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Feb 2017)
Tax Bill	$1,980 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-3-17`

Property Details

APN / Parcel Number

Primary APN	`756-3-17`
Alternative APN	`8049839`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,804 sqft Living Area
Gross Area	2,870 sqft
1st Floor Area	902 sqft
Basement Area	702 sqft
Finished Basement	702 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
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Patio 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	8049839
Street Address	163 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 L17 S3
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	17
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	163 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Line of Credit APPLE FEDERAL CREDIT UNION
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance APPLE FEDERAL CREDIT UNION
Feb 7, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage APPLE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2017 · Amount on Record
Deed Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	20171114
Last Transfer Date	Feb 3, 2020
Transfer Doc	0000001526
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	163 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & STLMNTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006081
Date	Jul 19, 2023
Instrument	230006081

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2053

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	163 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	TANDEM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009259
Date	Jun 1, 2021
Instrument	210009259

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Feb 7, 2020
Property Address	163 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014
Document Number	0000001526
Instrument Date	Feb 3, 2020
Instrument	200001526
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	163 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6014

Mortgage

Document Number	0000001527
Date	Feb 7, 2020
Instrument	200001527

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$1,980.00 (+10.43%)	$373,500 Land $68,000 Building $305,500	$373,500 Land $68,000 Building $305,500
2025	$1,793.00

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	0.02% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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