Frederick County property record for 221 Settlers Ln, Stephenson, VA 22656 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,669 sqft · built 1989 |
| Lot Size | 14.4 acres (630,749 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,363 (2026) |
| Deeds & Mortgages | Sep 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 557-12 |
| Primary APN | 557-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,669 sqft Living Area |
| Gross Area | 2,668 sqft |
| 1st Floor Area | 2,230 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 630,749 sqft (14.4 acres) |
| Terrain | Rolling |
| Garage Area | 288 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 537 sqft |
| Patio Area | 400 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8029053 |
|---|---|
| Street Address | 221 SETTLERS LN |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-2027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODS MILL L12A 14.48 ACRES |
| Legal Subdivision | WOODS MILL |
| Legal Lot Number | 12 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 50100 |
Source: Frederick County records · APN 557-12
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 | 221 SETTLERS LN, STEPHENSON, VA 22656-2027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Sep 25, 2025 |
| Transfer Doc | 0000009541 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 25, 2025 |
| Property Address | 221 SETTLERS LN, STEPHENSON, VA 22656-2027 |
| Document Number | 0000009541 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 250009541 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 229 SETTLERS LN, STEPHENSON, VA 22656-2027 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 229 SETTLERS LN, STEPHENSON, VA 22656-2027 |
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 | $4,363.00 (+10.43%) | $823,208 (-) Land $254,600 Building $568,608 | $823,208 (-) Land $254,600 Building $568,608 |
| 2025 | $3,951.00 (+125.51%) | $823,208 Land $254,600 Building $568,608 | $823,208 Land $254,600 Building $568,608 |
| 2024 | $1,752.00 |
Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690501004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low above 37% of the US · above 62% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 3,030 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 18 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fiber | 2,300 / 2,300 |
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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