208 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 208 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,069 sqft · built 2013
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$391,000 (May 2020)
Tax Bill	$3,044 (2026)
Deeds & Mortgages	Mar 2022 Transfer May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-81`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-81`
Alternative APN	`8048530`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,069 sqft Living Area
Gross Area	5,033 sqft
1st Floor Area	2,069 sqft
Basement Area	2,069 sqft
Unfinished Basement	2,069 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
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	214 sqft
Patio Area	241 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	8048530
Street Address	208 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 L81 S2
Legal Subdivision	5
Legal Lot Number	81
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	208 MOSAIC CT, STEPHENSON, VA 22656-1893
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Intrafamily Transfer, Transfer
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 1, 2020	Warranty Deed, Transfer PSH TITLE LLC, PSR TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	Nov 25, 2013 · Amount on Record
Deed Document Number	20205134
Last Transfer Date	Feb 8, 2022
Transfer Doc	0000003068
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Mar 10, 2022
Property Address	208 MOSAIC CT, STEPHENSON, VA 22656-1893
Document Number	0000003068
Instrument Date	Feb 8, 2022
Instrument	220003068
Transaction Type	Transfer
Record Updated	Mar 30, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 MOSAIC CT, STEPHENSON, VA 22656-1893

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	208 MOSAIC CT, STEPHENSON, VA 22656-1893
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004587
Date	May 16, 2018
Instrument	180004587

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	May 1, 2020
Property Address	208 MOSAIC CT, STEPHENSON, VA 22656-1893
Document Number	0000005134
Instrument Date	Apr 24, 2020
Instrument	5134
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	PSH TITLE LLC, PSR TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$391.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	208 MOSAIC CT STEPHENSON VA 226561893, STEPHENSON, VA 22656-1893

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	$3,044.00 (+21.27%)	$523,000 Land $93,000 Building $430,000	$523,000 Land $93,000 Building $430,000
2025	$2,510.00

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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