198 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 198 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,888 sqft · built 2014
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$559,400 (Apr 2023)
Tax Bill	$3,097 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-86`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-86`
Alternative APN	`8048535`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,888 sqft Living Area
Gross Area	4,978 sqft
1st Floor Area	1,312 sqft
Basement Area	1,312 sqft
Finished Basement	1,312 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2022
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Terrain	Rolling
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	108 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8048535
Street Address	198 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 L86 S2
Legal Subdivision	5
Legal Lot Number	86
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

Source: Frederick County assessment roll, APN 44E2-1-86, as of 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	198 MOSAIC CT, STEPHENSON, VA 22656-1895
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORPORATION
Mar 08, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Mar 08, 2021 · Amount on Record
Deed Document Number	20233187
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 20, 2023
Property Address	198 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000003187
Instrument Date	Apr 17, 2023
Instrument	230003187
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	198 MOSAIC CT, STEPHENSON, VA 22656-1895

Mortgage

Document Number	0000003188
Date	Apr 20, 2023
Instrument	230003188

Lender

Name	FIRST SAVINGS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 08, 2021
Property Address	198 MOSAIC CT, STEPHENSON, VA 22656-1895
Document Number	0000003897
Instrument Date	Mar 02, 2021
Instrument	210003897
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	METROPOLITAN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	198 MOSAIC CT, STEPHENSON, VA 22656-1895

Mortgage

Document Number	0000003898
Date	Mar 08, 2021
Instrument	210003898

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Frederick County assessment roll as of 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	$3,097.00 (+10.41%)	$584,300 Land $93,000 Building $491,300	$584,300 Land $93,000 Building $491,300
2025	$2,805.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), as of February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690501004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.04% annual chance
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, 435 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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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