192 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 192 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,291 sqft · built 2015
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Aug 2022)
Tax Bill	$3,458 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-89`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-89`
Alternative APN	`8048588`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,291 sqft Living Area
Gross Area	5,852 sqft
1st Floor Area	1,574 sqft
Basement Area	979 sqft
Finished Basement	979 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2023
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Terrain	Rolling
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	137 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8048588
Street Address	192 MOSAIC CT
City	STEPHENSON
State	VA
Zip	22656-1895
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L89 S2
Legal Subdivision	5
Legal Lot Number	89
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

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	192 MOSAIC CT, STEPHENSON, VA 22656-1895
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Aug 22, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE LLC
Feb 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MILLENNIAL HOME LENDING INC
May 22, 2020	Warranty Deed, Transfer · Conventional Mortgage INTERCOASTAL MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	202210585
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Sep 3, 2026
Property Address	192 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000009419
Instrument Date	Aug 24, 2026
Instrument	20269419
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 MOSAIC CT, STEPHENSON, VA 22656-1895

Mortgage

Document Number	0000009419,
Date	Sep 3, 2026
Instrument	20269419

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 1, 2031

Interest

Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 22, 2022
Property Address	192 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000010585
Instrument Date	Aug 19, 2022
Instrument	220010585
Transaction Type	Transfer
Record Updated	Sep 14, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	192 MOSAIC CT, STEPHENSON, VA 22656-1895

Mortgage

Document Number	0000010586
Date	Aug 22, 2022
Instrument	220010586

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	192 MOSAIC CT, STEPHENSON, VA 22656-1895
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003007
Date	Feb 23, 2021
Instrument	210003007

Lender

Name	MILLENNIAL HOME LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	May 22, 2020
Property Address	192 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000006087
Instrument Date	May 21, 2020
Instrument	200006087
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	CARDINAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	192 MOSAIC CT, STEPHENSON, VA 22656-1895

Mortgage

Document Number	0000006088
Date	May 22, 2020
Instrument	200006088

Lender

Name	INTERCOASTAL MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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	$3,458.00 (+10.41%)	$652,500 Land $93,000 Building $559,500	$652,500 Land $93,000 Building $559,500
2025	$3,132.00

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	1 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 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.04% 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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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