208 Cool Spring Dr, Stephens City, VA 22655 Property Records

Frederick County property record for 208 Cool Spring Dr, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,191 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,642 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`75M3-3-161`

Property Details

APN / Parcel Number

Primary APN	`75M3-3-161`
Alternative APN	`8041558`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,191 sqft Living Area
Gross Area	5,695 sqft
1st Floor Area	1,707 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	253 sqft
Patio Area	96 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	8041558
Street Address	208 COOL SPRING DR
City	STEPHENS CITY
State	VA
Zip	22655-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	THE CAMP AT MOSBY STATION L161 S3
Legal Subdivision	MOSBY STATION
Legal Lot Number	161
Jurisdiction	FREDERICK VA
Township / Civil Division	OPEQUON
Census Block Group	2
Census Block	2008
Census Tract	50805

Owner

208 Cool Spring Dr is owned and occupied by two individuals who acquired it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525
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
Dec 2, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 28, 2023	Deed, Transfer · Stand-Alone Refinance MR COOPER
Aug 28, 2023	Intrafamily Transfer, Transfer
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Apr 20, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023
Deed Sale	Aug 28, 2023
Prior Sale	Jan 14, 2004 · Amount on File
Deed Document Number	20237502
Prior Transfer Date	Aug 16, 2023
Prior Transfer Doc	0000007502
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525

Mortgage

Document Number	0000012116
Date	Dec 2, 2025
Instrument	250012116

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 28, 2023
Property Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525
Document Number	0000007501
Instrument Date	Aug 16, 2023
Instrument	230007501
Transaction Type	Transfer
Record Updated	Sep 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525

Mortgage

Document Number	0000007503
Date	Aug 28, 2023
Instrument	230007503

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Aug 28, 2023
Property Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525
Document Number	0000007502
Instrument Date	Aug 16, 2023
Instrument	230007502
Transaction Type	Transfer
Record Updated	Sep 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525
Document Number	0000006870
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	VISIONET SYSTEMS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	208 COOL SPRING DR STEPHENS CITY VA 226554525, STEPHENS CITY, VA 22655-4525

Mortgage

Document Number	0000006870
Date	Jul 15, 2019
Instrument	6870

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 14, 2034

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 20, 2018
Property Address	208 COOL SPRING DR, STEPHENS CITY, VA 22655-4525
Document Number	0000003662
Instrument Date	Apr 10, 2018
Instrument	3662
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.59
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 COOL SPRING DR STEPHENS CITY VA 226554525, STEPHENS CITY, VA 22655-4525

Tax Assessment & Valuation

The 2026 property tax bill for 208 Cool Spring Dr was $3,642, 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	$3,642.00 (+10.4%)	$687,200 Land $98,000 Building $589,200	$687,200 Land $98,000 Building $589,200
2025	$3,299.00
2023	$3,224.00	$632,200 Land $82,000 Building $550,200	$632,200 Land $82,000 Building $550,200

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

Flood

FEMA maps place 208 Cool Spring 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	2 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 208 Cool Spring Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: Glo Fiber.

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