220 Kemper Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 220 Kemper Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,324 sqft · built 2005
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Feb 2021)
Tax Bill	$3,393 (2026)
Deeds & Mortgages	May 2026 Sale Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-53`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-53`
Alternative APN	`8042005`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,324 sqft Living Area
Gross Area	5,727 sqft
1st Floor Area	1,511 sqft
Basement Area	1,480 sqft
Finished Basement	1,480 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	285 sqft
Patio Area	264 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	8042005
Street Address	220 KEMPER CT
City	STEPHENSON
State	VA
Zip	22656-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	RED BUD RUN L53 S1
Legal Subdivision	RED BUD
Legal Lot Number	53
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1003
Census Tract	51104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	220 KEMPER CT, STEPHENSON, VA 22656-2224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Feb 12, 2021	Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on Record
Deed Sale	Feb 12, 2021 · Amount on Record
Prior Sale	Jul 15, 2011 · Amount on Record
Deed Document Number	20212538
Last Transfer Date	Apr 17, 2026
Transfer Doc	0000004534
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	May 6, 2026
Property Address	220 KEMPER CT, STEPHENSON, VA 22656-2224
Document Number	0000004534
Instrument Date	Apr 17, 2026
Instrument	20264534
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 KEMPER CT, STEPHENSON, VA 22656-2224

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 12, 2021
Property Address	220 KEMPER CT, STEPHENSON, VA 22656-2224
Document Number	0000002538
Instrument Date	Feb 10, 2021
Instrument	210002538
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	220 KEMPER CT, STEPHENSON, VA 22656-2224

Mortgage

Document Number	0000002539
Date	Feb 12, 2021
Instrument	210002539

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

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	$3,393.00 (+10.41%)	$640,200 (-) Land $108,000 Building $532,200	$640,200 (-) Land $108,000 Building $532,200
2025	$3,073.00	$640,200 Land $108,000 Building $532,200	$640,200 Land $108,000 Building $532,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	0.01% 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber.

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