214 Mosaic Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 214 Mosaic Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,733 sqft · built 2014
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Jan 2026)
Tax Bill	$2,873 (2026)
Deeds & Mortgages	May 2024 Refinance Aug 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-78`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-78`
Alternative APN	`8048335`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,733 sqft Living Area
Gross Area	4,816 sqft
1st Floor Area	1,276 sqft
Basement Area	901 sqft
Finished Basement	901 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	126 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	8048335
Street Address	214 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 L78 S2
Legal Subdivision	5
Legal Lot Number	78
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

Source: Frederick County records · APN 44E2-1-78

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	2 Individual Names on File
Mailing Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 31, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Aug 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance OCEAN LENDING HOME LOANS INC
Mar 31, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Jan 08, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
May 19, 2021	Warranty Deed, Transfer · Conventional Mortgage ACRA LENDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2026 · Amount on Record
Deed Sale	Jan 08, 2026 · Amount on Record
Prior Sale	May 19, 2021 · Amount on Record
Deed Document Number	2026234
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004738
Date	May 31, 2024
Instrument	240004738

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

Interest

Rate Type	Fixed Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010368
Date	Aug 17, 2022
Instrument	220010368

Lender

Name	OCEAN LENDING HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Interest

Rate Type	Fixed Rate
Rate	5.75%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002976
Date	Mar 31, 2025
Instrument	250002976

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2055

Interest

Rate Type	Fixed Rate

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 08, 2026
Property Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893
Document Number	0000000234
Map Reference	DOC 110008929
Instrument Date	Jan 06, 2026
Instrument	260000234
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$565.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893

Mortgage

Document Number	0000000235
Date	Jan 08, 2026
Instrument	260000235

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	May 19, 2021
Property Address	214 MOSAIC CT, STEPHENSON, VA 22656-1893
Document Number	0000008472
Instrument Date	Apr 22, 2021
Instrument	210008472
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	NOT AVAILABLE, PSR LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	214 MOSAIC CT, STEPHENSON, VA 22656-1893

Mortgage

Document Number	0000008473
Date	May 19, 2021
Instrument	210008473

Lender

Name	ACRA LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$2,873.00 (+10.42%)	$542,100 (-) Land $93,000 Building $449,100	$542,100 (-) Land $93,000 Building $449,100
2025	$2,602.00 (+116.11%)	$542,100 Land $93,000 Building $449,100	$542,100 Land $93,000 Building $449,100
2024	$1,204.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), as of February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690501004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

Based on FCC filings for 435 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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