209 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 209 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,015 sqft · built 2014
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,500 (May 2014)
Tax Bill	$3,024 (2026)
Deeds & Mortgages	Mar 2022 Refinance Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-73`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-73`
Alternative APN	`8048330`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,015 sqft Living Area
Gross Area	5,282 sqft
1st Floor Area	1,454 sqft
Basement Area	535 sqft
Finished Basement	535 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2022
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Terrain	Rolling
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Deck Area	160 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	8048330
Street Address	209 MOSAIC CT
City	STEPHENSON
State	VA
Zip	22656-1892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L73 S2
Legal Subdivision	5
Legal Lot Number	73
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	209 MOSAIC CT, STEPHENSON, VA 22656-1892
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST FEDERAL CREDIT UNION
Dec 17, 2018	Grant Deed, Transfer · Conventional Mortgage STATE EMPS CU/MD INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2014 · Amount on Record
Deed Sale	May 29, 2014 · Amount on Record
Prior Sale	Nov 13, 2013 · Amount on Record
Deed Book / Page	1400 / 4148
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	209 MOSAIC CT, STEPHENSON, VA 22656-1892
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	SECURITY AMERICAN TITLE, SECURITYAMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003952
Date	Mar 30, 2022
Instrument	220003952

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2032
Change Frequency	6 Months

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 17, 2018
Property Address	209 MOSAIC CT, STEPHENSON, VA 22656-1892
Document Number	0000012465
Instrument Date	Nov 28, 2018
Instrument	12465
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	VESTA SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$428.50
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	209 MOSALC CT STEPHENSON VA 22656, STEPHENSON, VA 22656

Mortgage

Document Number	12466
Date	Dec 17, 2018
Instrument	12466

Lender

Name	STATE EMPS CU/MD INC
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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	$3,024.00 (+10.45%)	$570,500 Land $93,000 Building $477,500	$570,500 Land $93,000 Building $477,500
2025	$2,738.00

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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