225 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 225 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,600 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Company Names on Record
Last Sale	$244,000 (Oct 2019)
Tax Bill	$1,829 (2026)
Deeds & Mortgages	Apr 2026 Sale Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`756-5-38`

Property Details

APN / Parcel Number

Primary APN	`756-5-38`
Alternative APN	`8050094`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	2,412 sqft
1st Floor Area	800 sqft
Basement Area	577 sqft
Finished Basement	577 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	2,178 sqft (0.05 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8050094
Street Address	225 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 L38 S5
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	38
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 Company Names on Record
Mailing Address	225 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit OLD DOMINION NATIONAL BANK
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance OLD DOMINION NATIONAL BANK
Oct 18, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI PRIME LNDG
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	Oct 18, 2019 · Amount on Record
Deed Sale	Oct 18, 2019 · Amount on Record
Deed Document Number	201911125
Last Transfer Date	Apr 27, 2026
Transfer Doc	0000004163
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 28, 2026
Property Address	225 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Document Number	0000004163
Instrument Date	Apr 27, 2026
Instrument	20264163
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	225 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	225 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003924
Date	Mar 29, 2022
Instrument	220003924

Lender

Name	OLD DOMINION NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	225 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATL TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010613
Date	Jun 24, 2021
Instrument	210010613

Lender

Name	OLD DOMINION NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 18, 2019
Property Address	225 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Document Number	0000011125
Instrument Date	Oct 18, 2019
Instrument	11125
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 5, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 SCHRAMM LOOP STEPHENS CITY VA 22655, STEPHENS CITY, VA 22655

Mortgage

Document Number	11126
Date	Oct 18, 2019
Instrument	11126

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	May 10, 2019
Property Address	225 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	$1,829.00 (+10.45%)	$345,100 (-) Land $68,000 Building $277,100	$345,100 (-) Land $68,000 Building $277,100
2025	$1,656.00	$345,100 Land $68,000 Building $277,100	$345,100 Land $68,000 Building $277,100

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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