205 Merlot Dr, Stephenson, VA 22656 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,911 sqft · built 2011
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Apr 2022)
Tax Bill	$2,934 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`55L1-2-217`

Property Details

APN / Parcel Number

Primary APN	`55L1-2-217`
Alternative APN	`8046016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,911 sqft Living Area
Gross Area	4,548 sqft
1st Floor Area	1,911 sqft
Basement Area	1,026 sqft
Finished Basement	1,026 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2021
Exterior Material	Stone
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	196 sqft
Deck Area	110 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	8046016
Street Address	205 MERLOT DR
City	STEPHENSON
State	VA
Zip	22656-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L217 S2P1
Legal Subdivision	RED BUD
Legal Phase	1
Legal Lot Number	217
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1003
Census Tract	51104

Owner

205 Merlot Dr is owned and occupied by two individuals who bought it in April 2022.

Source: Frederick County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	205 MERLOT DR, STEPHENSON, VA 22656-2227
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance STRONG HOME MORTGAGE LLC
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG
Oct 22, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2022 · Amount on File
Deed Sale	Apr 1, 2022 · Amount on File
Prior Sale	Oct 22, 2018 · Amount on File
Deed Document Number	20224110
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 1, 2022
Property Address	205 MERLOT DR, STEPHENSON, VA 22656-2227
Document Number	0000004110
Instrument Date	Mar 31, 2022
Instrument	220004110
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	OLD TOWNE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 MERLOT DR, STEPHENSON, VA 22656-2227

Mortgage

Document Number	0000004111
Date	Apr 1, 2022
Instrument	220004111

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	205 MERLOT DR, STEPHENSON, VA 22656-2227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016165
Date	Nov 12, 2020
Instrument	200016165

Lender

Name	STRONG HOME MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	205 MERLOT DR, STEPHENSON, VA 22656-2227
Document Number	0000007583
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	205 MERLOT DR STEPHENSON VA 226562227, STEPHENSON, VA 22656-2227

Mortgage

Document Number	0000007583
Date	Jul 31, 2019
Instrument	7583

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 22, 2018
Property Address	205 MERLOT DR, STEPHENSON, VA 22656-2227
Document Number	0000010527
Instrument Date	Oct 19, 2018
Instrument	180010527
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	RGS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 MERLOT DR, STEPHENSON, VA 22656-2227

Mortgage

Document Number	0000010528
Date	Oct 22, 2018
Instrument	180010528

Lender

Name	US BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 205 Merlot Dr was $2,934, up 10.4% from the year before.

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	$2,934.00 (+10.43%)	$553,560 Land $108,000 Building $445,560	$553,560 Land $108,000 Building $445,560
2025	$2,657.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 205 Merlot Dr in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 205 Merlot Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 165 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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