205 Mackenzie Ln, Stephenson, VA 22656 Property Records

Frederick County property record for 205 Mackenzie Ln, Stephenson, VA 22656 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,572 sqft · built 2005
Lot Size	0.28 acres (12,197 sqft)
Owner	Trust Name on File
Tax Bill	$2,662 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-99`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-99`
Alternative APN	`8042051`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,572 sqft Living Area
Gross Area	4,599 sqft
1st Floor Area	1,266 sqft
Basement Area	1,266 sqft
Finished Basement	1,266 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	204 sqft
Patio Area	137 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	8042051
Street Address	205 MACKENZIE LN
City	STEPHENSON
State	VA
Zip	22656-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RED BUD RUN L99 S1
Legal Subdivision	RED BUD
Legal Lot Number	99
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1004
Census Tract	51104

Owner

Source: Frederick County records · APN 55L1-1-99

Assessment roll updated 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	Trust Name on File
Mailing Address	205 MACKENZIE LN, STEPHENSON, VA 22656-2218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 17, 2015
Deed Sale	Nov 17, 2015
Prior Sale	Dec 14, 2009 · Amount on Record
Deed Document Number	201511454
Prior Transfer Date	Nov 13, 2015
Prior Transfer Doc	0000011454
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	205 MACKENZIE LN, STEPHENSON, VA 22656-2218
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006705
Date	Aug 04, 2023
Instrument	230006705

Lender

Name	MID ATLANTIC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2053

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated 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	$2,662.00 (+10.41%)	$502,200 Land $108,000 Building $394,200	$502,200 Land $108,000 Building $394,200
2025	$2,411.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690511041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 242 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 2,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Shenandoah Telecommunications Company. Availability varies by address; speeds are provider-advertised maximums, not measured.