Frederick County property record for 191 Cunningham Ln, Stephenson, VA 22656 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2009 |
| Square Footage | 1,912 sqft Living Area |
| Lot Size | 277,042 sqft (6.36 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $540,000 (2021) |
| Tax Bill | $2,762.00 (2026) |
| Primary APN | 455-2-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,912 sqft Living Area |
| Gross Area | 4,780 sqft Gross Area |
| 1st Floor | 1,722 sqft 1st Floor |
| Basement Area | 1,722 sqft Basement |
| Finished Basement | 1,722 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stone Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 277,042 sqft (6.36 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 748 sqft Garage |
| Deck Area | 240 sqft Deck |
|---|---|
| Porch | 1 Porch |
| Porch Area | 42 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Well Water Source |
| Account Number | 8009330 |
|---|---|
| Street Address | 191 CUNNINGHAM LN |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-2000 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OPEQUON RIDGE L31 S2 6.36 ACRES |
| Legal Subdivision | OPEQUON RIDGE |
| Legal Lot Number | 31 |
| Jurisdiction | FREDERICK VA |
| Minor Civil Division | STONEWALL |
| Census Blockgroup | 3 |
| Census Block | 3012 |
| Census Tract | 50100 |
Source: Frederick County records · APN 455-2-31
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 | 191 CUNNINGHAM LN, STEPHENSON, VA 22656-2000 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage NFM LENDING |
| Oct 13, 2020 | Deed of Trust, Mortgage · Stand Alone Refinance ASSET MUTUAL MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 14, 2021 · Amount on Record |
| Deed Sale | Dec 14, 2021 · Amount on Record |
| Prior Sale | Mar 05, 2007 · Amount on Record |
| Deed Doc Number | 202120763 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Dec 14, 2021 |
| Property Address | 191 CUNNINGHAM LN, STEPHENSON, VA 22656-2000 |
| Document Number | 0000020763 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 210020763 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 191 CUNNINGHAM LN, STEPHENSON, VA 22656-2000 |
| Document Number | 0000020764 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 210020764 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Sep 01, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 191 CUNNINGHAM LN, STEPHENSON, VA 22656-2000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000014210 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 200014210 |
| Name | ASSET MUTUAL MORTGAGE INC |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 | $2,762.00 (+10.44%) | $521,100 Land $143,900 Building $377,200 | $521,100 Land $143,900 Building $377,200 |
| 2025 | $2,501.00 |
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