196 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 196 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,720 sqft · built 2015
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$337,748 (Jan 2015)
Tax Bill	$2,854 (2026)
Deeds & Mortgages	Aug 2021 Refinance Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-87`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-87`
Alternative APN	`8048536`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	4,569 sqft
1st Floor Area	1,276 sqft
Basement Area	1,276 sqft
Finished Basement	1,276 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2023
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Terrain	Rolling
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 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	8048536
Street Address	196 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 L87 S2
Legal Subdivision	5
Legal Lot Number	87
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	Individual Name on Record
Mailing Address	196 MOSAIC CT, STEPHENSON, VA 22656-1895
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jun 7, 2018	Quit Claim Deed, Transfer · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2015 · Amount on Record
Deed Sale	Jan 6, 2015 · Amount on Record
Prior Sale	Sep 17, 2014 · Amount on Record
Deed Book / Page	1500 / 81
Last Transfer Date	Jul 6, 2021
Transfer Doc	0000012956
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Aug 3, 2021
Property Address	196 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000012956
Instrument Date	Jul 6, 2021
Instrument	210012956
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 MOSAIC CT, STEPHENSON, VA 22656-1895

Mortgage

Document Number	0000012957
Date	Aug 3, 2021
Instrument	210012957

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4%

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 7, 2018
Property Address	196 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000005366
Instrument Date	May 31, 2018
Instrument	5366
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 MOSAIC CT STEPHENSON VA 226561895, STEPHENSON, VA 22656-1895

Mortgage

Document Number	5367
Date	Jun 7, 2018
Instrument	5367

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

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	$2,854.00 (+10.45%)	$538,400 Land $93,000 Building $445,400	$538,400 Land $93,000 Building $445,400
2025	$2,584.00

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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