205 Centennial Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 205 Centennial Dr, Stephenson, VA 22656

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,944 sqft · built 2014
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Oct 2025)
Tax Bill	$2,142 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44E3-1-91`

Property Details

APN / Parcel Number

Primary APN	`44E3-1-91`
Alternative APN	`8048479`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
Gross Area	3,255 sqft
1st Floor Area	972 sqft
Basement Area	594 sqft
Finished Basement	594 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	378 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	21 sqft
Deck Area	168 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	8048479
Street Address	205 CENTENNIAL DR
City	STEPHENSON
State	VA
Zip	22656-1894
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L91 S3
Legal Subdivision	5
Legal Lot Number	91
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	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Nov 10, 2025	Deed of Trust, Mortgage · VA Mortgage SUCCESS MORTGAGE LLC
Oct 15, 2025	Warranty Deed, Transfer · VA Mortgage SUCCESS MORTGAGE LLC
Feb 12, 2018	Grant Deed, Transfer · Conventional with PMI NAVY FCU
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Feb 12, 2018 · Amount on Record
Deed Document Number	202510386
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005499
Date	Apr 1, 2021
Instrument	210005499

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 FISHEL RD, WINCHESTER, VA 22602-3243

Mortgage

Document Number	0000011368
Date	Nov 10, 2025
Instrument	250011368

Lender

Name	SUCCESS MORTGAGE LLC
Address	WINCHESTER, VA 22602

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 15, 2025
Property Address	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894
Document Number	0000010386
Instrument Date	Oct 8, 2025
Instrument	250010386
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894

Mortgage

Document Number	0000010387
Date	Oct 15, 2025
Instrument	250010387

Lender

Name	SUCCESS MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 12, 2018
Property Address	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894
Document Number	0000001334
Instrument Date	Feb 9, 2018
Instrument	1334
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	205 CENTENNIAL DR STEPHENSON VA 226561894, STEPHENSON, VA 22656-1894

Mortgage

Document Number	1335
Date	Feb 12, 2018
Instrument	1335

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	205 CENTENNIAL DR, STEPHENSON, VA 22656-1894
Document Number	0000005878
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 CENTENNIAL DR STEPHENSON VA 226561894, STEPHENSON, VA 22656-1894

Mortgage

Document Number	0000005878
Date	Jun 13, 2017
Instrument	5878

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 12, 2022

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	$2,142.00 (+10.41%)	$404,100 (-) Land $68,000 Building $336,100	$404,100 (-) Land $68,000 Building $336,100
2025	$1,940.00 (+117.49%)	$404,100 Land $68,000 Building $336,100	$404,100 Land $68,000 Building $336,100
2024	$892.00

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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