204 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 204 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,929 sqft · built 2014
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,985 (Mar 2014)
Tax Bill	$2,851 (2026)
Deeds & Mortgages	Sep 2023 Refinance Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-83`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-83`
Alternative APN	`8048532`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,929 sqft Living Area
Gross Area	4,754 sqft
1st Floor Area	1,928 sqft
Basement Area	1,929 sqft
Finished Basement	1,929 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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	56 sqft
Patio Area	400 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	8048532
Street Address	204 MOSAIC CT
City	STEPHENSON
State	VA
Zip	22656-1893
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L83 S2
Legal Subdivision	5
Legal Lot Number	83
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	204 MOSAIC CT, STEPHENSON, VA 22656-1893
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance TRUIST BANK
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2014 · Amount on Record
Deed Sale	Mar 13, 2014 · Amount on Record
Prior Sale	Dec 16, 2013 · Amount on Record
Deed Book / Page	1400 / 1869
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	204 MOSAIC CT, STEPHENSON, VA 22656-1893
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008217
Date	Sep 18, 2023
Instrument	230008217

Lender

Name	TRUIST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2038

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	204 MOSAIC CT, STEPHENSON, VA 22656-1893
Document Number	0000008343
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 12, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 MOSAIC CT STEPHENSON VA 226561893, STEPHENSON, VA 22656-1893

Mortgage

Document Number	0000008343
Date	Aug 16, 2017
Instrument	8343

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 15, 2057

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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	$2,851.00 (+10.42%)	$538,000 Land $93,000 Building $445,000	$538,000 Land $93,000 Building $445,000
2025	$2,582.00

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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