203 Kemper Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 203 Kemper Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,118 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Jul 2020)
Tax Bill	$2,927 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-66`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-66`
Alternative APN	`8042018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,118 sqft Living Area
Gross Area	5,119 sqft
1st Floor Area	1,394 sqft
Basement Area	1,394 sqft
Unfinished Basement	1,394 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 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	8042018
Street Address	203 KEMPER CT
City	STEPHENSON
State	VA
Zip	22656-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L66 S1
Legal Subdivision	RED BUD
Legal Lot Number	66
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1003
Census Tract	51104

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	203 KEMPER CT, STEPHENSON, VA 22656-2224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Grant Deed, Transfer · VA Mortgage SOVEREIGN LNDG
Apr 16, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Prior Sale	Sep 19, 2008 · Amount on Record
Deed Document Number	20208832
Record Updated	Sep 20, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 14, 2020
Property Address	203 KEMPER CT, STEPHENSON, VA 22656-2224
Document Number	0000008832
Instrument Date	Jul 9, 2020
Instrument	8832
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	203 KEMPER CT STEPHENSON VA 226562224, STEPHENSON, VA 22656-2224

Mortgage

Document Number	8833
Date	Jul 14, 2020
Instrument	8833

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 16, 2019
Property Address	203 KEMPER CT, STEPHENSON, VA 22656-2224
Document Number	0000003379
Instrument Date	Apr 11, 2019
Instrument	3379
Transaction Type	Transfer
Record Updated	May 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 HARWEST RIDGE DR WINCHESTER VA 22601, WINCHESTER, VA 22601

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	$2,927.00 (+10.41%)	$552,200 Land $108,000 Building $444,200	$552,200 Land $108,000 Building $444,200
2025	$2,651.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	0.01% 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber.

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