176 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 176 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,824 sqft · built 2017
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Nov 2023)
Tax Bill	$2,009 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`756-4-69`

Property Details

APN / Parcel Number

Primary APN	`756-4-69`
Alternative APN	`8050081`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	3,123 sqft
1st Floor Area	912 sqft
Basement Area	681 sqft
Finished Basement	681 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	231 sqft
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	8050081
Street Address	176 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6016
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L69 S4
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	69
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2040
Census Tract	50900

Owner

Source: Frederick County assessment roll, as of July 9, 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 File
Mailing Address	176 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE LLC
Jun 27, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Prior Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	202310177
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 16, 2023
Property Address	176 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Document Number	0000010177
Instrument Date	Nov 14, 2023
Instrument	230010177
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	176 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016

Mortgage

Document Number	0000010178
Date	Nov 16, 2023
Instrument	230010178

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 27, 2017
Property Address	176 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Document Number	0000006435
Instrument Date	Jun 26, 2017
Instrument	170006435
Transaction Type	Subdivision Related Transfer
Record Updated	May 28, 2021
Title Company	COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
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	176 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016

Mortgage

Document Number	0000006436
Date	Jun 27, 2017
Instrument	170006436

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional 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	$2,009.00 (+10.38%)	$379,100 (+16.47%) Land $68,000 Building $311,100	$379,100 (+16.47%) Land $68,000 Building $311,100
2025	$1,820.00 (+9.64%)
2023	$1,660.00	$325,500 Land $52,000 Building $273,500	$325,500 Land $52,000 Building $273,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 at the parcel

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: Shenandoah Telecommunications Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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