222 Kemper Ct, Stephenson, VA 22656 Property Records

Frederick County property record for 222 Kemper Ct, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,485 sqft · built 2005
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Apr 2013)
Tax Bill	$3,262 (2026)
Deeds & Mortgages	Oct 2021 Refinance Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55L1-1-54`

Property Details

APN / Parcel Number

Primary APN	`55L1-1-54`
Alternative APN	`8042006`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,485 sqft Living Area
Gross Area	6,154 sqft
1st Floor Area	1,619 sqft
Basement Area	1,619 sqft
Unfinished Basement	1,619 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Terrain	Rolling
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	680 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8042006
Street Address	222 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 L54 S1
Legal Subdivision	RED BUD
Legal Lot Number	54
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	222 KEMPER CT, STEPHENSON, VA 22656-2224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2013 · Amount on Record
Deed Sale	Apr 1, 2013 · Amount on Record
Prior Sale	Feb 27, 2009 · Amount on Record
Deed Book / Page	1300 / 3705
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	222 KEMPER CT, STEPHENSON, VA 22656-2224
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017437
Date	Oct 15, 2021
Instrument	210017437

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	222 KEMPER CT, STEPHENSON, VA 22656-2224
Document Number	0000007266
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	222 KEMPER CT STEPHENSON VA 226562224, STEPHENSON, VA 22656-2224

Mortgage

Document Number	0000007266
Date	Jul 24, 2019
Instrument	7266

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	222 KEMPER CT, STEPHENSON, VA 22656-2224
Document Number	0000000401
Instrument Date	Jan 9, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	222 KEMPER CT STEPHENSON VA 226562224, STEPHENSON, VA 22656-2224

Mortgage

Document Number	0000000401
Date	Jan 15, 2019
Instrument	401

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

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	$3,262.00 (+10.43%)	$615,500 Land $108,000 Building $507,500	$615,500 Land $108,000 Building $507,500
2025	$2,954.00

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
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	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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