224 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 224 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,671 sqft · built 2018
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$256,500 (Mar 2019)
Tax Bill	$1,876 (2026)
Deeds & Mortgages	Sep 2020 Second Mortgage Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`756-5-66`

Property Details

APN / Parcel Number

Primary APN	`756-5-66`
Alternative APN	`8050107`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,671 sqft Living Area
Gross Area	2,521 sqft
1st Floor Area	826 sqft
Basement Area	603 sqft
Finished Basement	603 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Architectural Style	Townhouse
Exterior Material	Brick
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	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8050107
Street Address	224 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6005
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L66 S5
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	66
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 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	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Aug 5, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance BANK OF CLARKE COUNTY
Mar 1, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage WELLS FARGO BANK NA
Jun 15, 2018	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on Record
Deed Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	20191738
Last Transfer Date	Jul 30, 2021
Transfer Doc	0000013122
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012254
Date	Sep 10, 2020
Instrument	200012254

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Aug 5, 2021
Property Address	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Document Number	0000013122
Instrument Date	Jul 30, 2021
Instrument	210013122
Transaction Type	Transfer
Record Updated	Sep 1, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005

Mortgage

Document Number	0000013123
Date	Aug 5, 2021
Instrument	210013123

Lender

Name	BANK OF CLARKE COUNTY

Agreement

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

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 1, 2019
Property Address	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Document Number	0000001738
Instrument Date	Feb 28, 2019
Instrument	190001738
Transaction Type	Subdivision Related Transfer
Record Updated	May 28, 2021
Title Company	COMMONWEALTH LAND TITLE

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	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005

Mortgage

Document Number	0000001739
Date	Mar 1, 2019
Instrument	190001739

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 15, 2018
Property Address	224 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Document Number	0000005638
Instrument Date	Jun 15, 2018
Instrument	5638
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$399.00
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	64 THOMAS JOHNSON DR #110 FREDERICK MD 217024735, 110, FREDERICK, MD 21702-4735
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	$1,876.00 (+10.42%)	$353,900 Land $68,000 Building $285,900	$353,900 Land $68,000 Building $285,900
2025	$1,699.00

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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