220 Ladysmith Dr, Stephens City, VA 22655 Property Records

Frederick County property record for 220 Ladysmith Dr, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,702 sqft · built 2021
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$497,000 (Jul 2025)
Tax Bill	$2,494 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`75P1-2-104`

Property Details

APN / Parcel Number

Primary APN	`75P1-2-104`
Alternative APN	`8046307`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,702 sqft Living Area
Gross Area	4,634 sqft
1st Floor Area	1,198 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2025
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Terrain	Rolling
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

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	8046307
Street Address	220 LADYSMITH DR
City	STEPHENS CITY
State	VA
Zip	22655-3269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	OLD DOMINION GREENS L104P2
Legal Subdivision	OLD DOMINION GREENS
Legal Phase	2
Legal Lot Number	104
Jurisdiction	FREDERICK VA
Township / Civil Division	OPEQUON
Census Block Group	2
Census Block	2009
Census Tract	50805

Owner

220 Ladysmith Dr is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	220 LADYSMITH DR, STEPHENS CITY, VA 22655-3269
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Jul 1, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORPORATION
Oct 26, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2025 · Amount on File
Deed Sale	Jul 10, 2025 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	20256743
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	220 LADYSMITH DR, STEPHENS CITY, VA 22655-3269
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 LADYSMITH DR, STEPHENS CITY, VA 22655-3269
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000659
Date	Jan 22, 2026
Instrument	260000659

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	FRONT ROYAL, VA 22630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 1, 2021
Property Address	220 LADYSMITH DR, STEPHENS CITY, VA 22655-3269
Document Number	0000011130
Instrument Date	Jun 30, 2021
Instrument	210011130
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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 LADYSMITH DR, STEPHENS CITY, VA 22655-3269

Mortgage

Document Number	0000011131
Date	Jul 1, 2021
Instrument	210011131

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 26, 2020
Property Address	220 LADYSMITH DR, STEPHENS CITY, VA 22655-3269
Document Number	0000015127
Instrument Date	Oct 15, 2020
Instrument	15127
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2099 GAITLER ROAD 600 ROCKVILLE MD 20850, ROCKVILLE, MD 20850
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 220 Ladysmith Dr was $2,494, up 11.4% from the year before.

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	$2,494.00 (+11.39%)	$466,500 Land $98,000 Building $368,500	$466,500 Land $98,000 Building $368,500
2025	$2,239.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 220 Ladysmith Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 220 Ladysmith Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: Glo Fiber.

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