201 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 201 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,176 sqft · built 2013
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,194 (Oct 2013)
Tax Bill	$3,177 (2026)
Deeds & Mortgages	Oct 2023 Refinance Oct 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-69`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-69`
Alternative APN	`8048326`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,176 sqft Living Area
Gross Area	5,994 sqft
1st Floor Area	1,536 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	24 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	8048326
Street Address	201 MOSAIC CT
City	STEPHENSON
State	VA
Zip	22656-1892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L69 S2
Legal Subdivision	5
Legal Lot Number	69
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	201 MOSAIC CT, STEPHENSON, VA 22656-1892
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Oct 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Aug 6, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 6, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Apr 23, 2017	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2013 · Amount on Record
Deed Sale	Oct 10, 2013 · Amount on Record
Prior Sale	Jul 8, 2013 · Amount on Record
Deed Book / Page	1300 / 11850
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	201 MOSAIC CT, STEPHENSON, VA 22656-1892
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009450
Date	Oct 25, 2023
Instrument	230009450

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	201 MOSAIC CT, STEPHENSON, VA 22656-1892
Transaction Type	Mortgage
Record Updated	Nov 16, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013040
Date	Oct 27, 2022
Instrument	220013040

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.88%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	201 MOSAIC CT, STEPHENSON, VA 22656-1892
Document Number	0000008526
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 MOSAIC CT STEPHENSON VA 226561892, STEPHENSON, VA 22656-1892

Mortgage

Document Number	0000008526
Date	Aug 21, 2019
Instrument	8526

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK VA
Property Address	201 MOSAIC CT, STEPHENSON, VA 22656-1892
Document Number	0000009002
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 MOSAIC CT STEPHENSON VA 226561892, STEPHENSON, VA 22656-1892

Mortgage

Document Number	0000009002
Date	Sep 3, 2019
Instrument	9002

Lender

Name	WELLS FARGO BK
Type	Bank
Address	STEPHENSON, VA 22656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK VA
Property Address	201 MOSAIC CT, STEPHENSON, VA 22656-1892
Document Number	0000004839
Instrument Date	Apr 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 MOSAIC CT STEPHENSON VA 226561892, STEPHENSON, VA 22656-1892

Mortgage

Document Number	0000004839
Date	May 17, 2017
Instrument	4839

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

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	$3,177.00 (+10.43%)	$599,400 Land $93,000 Building $506,400	$599,400 Land $93,000 Building $506,400
2025	$2,877.00

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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