221 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 221 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,968 sqft · built 2019
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$456,000 (May 2019)
Tax Bill	$2,145 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`756-5-36`

Property Details

APN / Parcel Number

Primary APN	`756-5-36`
Alternative APN	`8050092`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,968 sqft Living Area
Gross Area	3,772 sqft
1st Floor Area	968 sqft
Basement Area	706 sqft
Finished Basement	706 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2024
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	12 sqft
Deck Area	266 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8050092
Street Address	221 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6002
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L36 S5
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	36
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2040
Census Tract	50900

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	221 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Grant Deed, Subdivision Related Transfer CARDINAL FIN'L
May 10, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Deed Document Number	20194348
Record Updated	Sep 20, 2026

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 25, 2019
Property Address	221 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Document Number	0000011384
Instrument Date	Oct 24, 2019
Instrument	11384
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 8, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$270.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 SCHRAMM LOOP WINCHESTER VA 22601, WINCHESTER, VA 22601

Mortgage

Document Number	11385
Date	Oct 25, 2019
Instrument	11385

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	May 10, 2019
Property Address	221 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Document Number	0000004348
Instrument Date	May 10, 2019
Instrument	4348
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$456.00
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 GAITHER RD #600 ROCKVILLE MD 208504018, 600, ROCKVILLE, MD 20850-4018
Investor	Possibly a Property Investor

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	$2,145.00 (+10.4%)	$404,700 Land $68,000 Building $336,700	$404,700 Land $68,000 Building $336,700
2025	$1,943.00

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
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	0.02% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Glo Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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