181 Whetstone Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 181 Whetstone Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,519 sqft · built 1978
Lot Size	5.15 acres (224,334 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jan 2026)
Tax Bill	$1,787 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`555-10`

Property Details

APN / Parcel Number

Primary APN	`555-10`
Alternative APN	`8015954`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,519 sqft Living Area
Gross Area	4,060 sqft
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	224,334 sqft (5.15 acres)
Terrain	Rolling
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8015954
Street Address	181 WHETSTONE CT
City	STEPHENSON
State	VA
Zip	22656-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	OPEQUON HEIGHTS L10 5.15 ACRE
Legal Subdivision	OPEQUON HEIGHTS
Legal Lot Number	10
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1000
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	2 Individual Names on Record
Mailing Address	181 WHETSTONE CT, STEPHENSON, VA 22656-2124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
May 12, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	May 12, 2021 · Amount on Record
Deed Document Number	202619
Prior Transfer Date	May 11, 2021
Prior Transfer Doc	0000007938
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 2, 2026
Property Address	181 WHETSTONE CT, STEPHENSON, VA 22656-2124
Document Number	0000000019
Map Reference	MB 55 PG 144
Instrument Date	Dec 30, 2025
Instrument	260000019
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	EKKO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	181 WHETSTONE CT, STEPHENSON, VA 22656-2124
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000020
Date	Jan 2, 2026
Instrument	260000020

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	May 12, 2021
Property Address	181 WHETSTONE CT, STEPHENSON, VA 22656-2124
Document Number	0000007938
Instrument Date	May 11, 2021
Instrument	210007938
Transaction Type	Transfer
Record Updated	Jun 2, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$1,787.00 (+10.38%)	$337,240 (-) Land $119,100 Building $218,140	$337,240 (-) Land $119,100 Building $218,140
2025	$1,619.00 (+1,949.37%)	$337,240 Land $119,100 Building $218,140	$337,240 Land $119,100 Building $218,140
2024	$79.00

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	0.03% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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