217 Sawtooth Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 217 Sawtooth Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,111 sqft · built 2013
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Dec 2023)
Tax Bill	$3,305 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44E2-1-68`

Property Details

APN / Parcel Number

Primary APN	`44E2-1-68`
Alternative APN	`8048325`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,111 sqft Living Area
Gross Area	5,300 sqft
1st Floor Area	1,554 sqft
Basement Area	1,114 sqft
Finished Basement	1,114 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	18 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	8048325
Street Address	217 SAWTOOTH DR
City	STEPHENSON
State	VA
Zip	22656-1884
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L68 S2
Legal Subdivision	5
Legal Lot Number	68
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

Source: Frederick County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	217 SAWTOOTH DR, STEPHENSON, VA 22656-1884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jan 14, 2022	Deed of Trust, Mortgage · Line of Credit TOWER FEDERAL CREDIT UNION
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	May 6, 2013 · Amount on Record
Deed Document Number	202311157
Prior Transfer Date	Jul 29, 2015
Prior Transfer Doc	1500007439
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 20, 2023
Property Address	217 SAWTOOTH DR, STEPHENSON, VA 22656-1884
Document Number	0000011157
Instrument Date	Dec 19, 2023
Instrument	230011157
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	MID-ATLANTIC SETTLEMENT SERVICES, MID ATLANTIC SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
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	217 SAWTOOTH DR, STEPHENSON, VA 22656-1884

Mortgage

Document Number	0000011158
Date	Dec 20, 2023
Instrument	230011158

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	217 SAWTOOTH DR, STEPHENSON, VA 22656-1884
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000653
Date	Jan 14, 2022
Instrument	220000653

Lender

Name	TOWER FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 25, 2052

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	217 SAWTOOTH DR, STEPHENSON, VA 22656-1884
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002657
Date	Mar 4, 2020
Instrument	200002657

Lender

Name	BAY CAPITAL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

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	$3,305.00 (+10.42%)	$623,600 (+15.06%) Land $93,000 Building $530,600	$623,600 (+15.06%) Land $93,000 Building $530,600
2025	$2,993.00 (+8.29%)
2023	$2,764.00	$542,000 Land $77,000 Building $465,000	$542,000 Land $77,000 Building $465,000

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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