181 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 181 Schramm Loop, Stephens City, VA 22655 · Last verified August 2026

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,816 sqft · built 2017
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Nov 2017)
Tax Bill	$1,975 (2026)
Deeds & Mortgages	May 2023 Second Mortgage May 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-4-25`

Property Details

APN / Parcel Number

Primary APN	`756-4-25`
Alternative APN	`8050073`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
Gross Area	2,817 sqft
1st Floor Area	881 sqft
Basement Area	658 sqft
Finished Basement	658 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	5,227 sqft (0.12 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8050073
Street Address	181 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6016
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	THE TOWNES AT TASKER L25 S4
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	25
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2040
Census Tract	50900

Owner

Source: Frederick County records · APN 756-4-25

Assessment roll updated July 9, 2026 · Last verified August 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	181 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
May 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 06, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 06, 2017 · Amount on Record
Deed Sale	Nov 06, 2017 · Amount on Record
Deed Document Number	201711578
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	181 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004453
Date	May 30, 2023
Instrument	230004453

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	295 Months
Due	Dec 01, 2047

Interest

Rate Type	Fixed Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	181 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Transaction Type	Mortgage
Record Updated	Jun 08, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006579
Date	May 23, 2022
Instrument	220006579

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Dec 01, 2047

Interest

Rate Type	Fixed Rate

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Nov 06, 2017
Property Address	181 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6016
Document Number	0000011578
Instrument Date	Nov 03, 2017
Instrument	11578
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 SCHRAMM LOOP STEPHENS CITY VA 226556016, STEPHENS CITY, VA 22655-6016

Mortgage

Document Number	11579
Date	Nov 06, 2017
Instrument	11579

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,975.00 (+10.4%)	$372,700 Land $68,000 Building $304,700	$372,700 Land $68,000 Building $304,700
2025	$1,789.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690509002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 110 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880

May also be available at this address: Verizon, Shenandoah Telecommunications Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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