Frederick County property record for 228 Centennial Dr, Stephenson, VA 22656 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2022 |
| Square Footage | 1,708 sqft Living Area |
| Lot Size | 5,227 sqft (0.12 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $290,000 (2018) |
| Tax Bill | $2,103.00 (2026) |
| Primary APN | 44E3-1-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 2,875 sqft Gross Area |
| 1st Floor | 754 sqft 1st Floor |
| Basement Area | 754 sqft Basement |
| Finished Basement | 754 sqft Finished |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,227 sqft (0.12 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 380 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 33 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 8048390 |
|---|---|
| Street Address | 228 CENTENNIAL DR |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1886 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SNOWDEN BRIDGE L2S3 |
| Legal Subdivision | 5 |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK VA |
| Minor Civil Division | STONEWALL |
| Census Blockgroup | 4 |
| Census Block | 4029 |
| Census Tract | 50100 |
Source: Frederick County records · APN 44E3-1-2
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 | 228 CENTENNIAL DR, STEPHENSON, VA 22656-1886 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · Stand Alone Refinance QUICKEN LOANS LLC |
| Dec 07, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS |
| Apr 22, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Jun 20, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMESPIRE MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 20, 2018 · Amount on Record |
| Deed Sale | Jun 20, 2018 · Amount on Record |
| Prior Sale | Sep 30, 2013 · Amount on Record |
| Deed Doc Number | 20185815 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 228 CENTENNIAL DR, STEPHENSON, VA 22656-1886 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015347 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | 200015347 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 228 CENTENNIAL DR, STEPHENSON, VA 22656-1886 |
| Document Number | 0000013475 |
| Instrument Date | Dec 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 228 CENTENNIAL DR STEPHENSON VA 226561886, STEPHENSON, VA 22656-1886 |
| Document Number | 0000013475 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 13475 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 12, 2049 |
| Rate | 3.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 228 CENTENNIAL DR, STEPHENSON, VA 22656-1886 |
| Document Number | 0000003781 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 228 CENTENNIAL DR STEPHENSON VA 226561886, STEPHENSON, VA 22656-1886 |
| Document Number | 0000003781 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 3781 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 20, 2018 |
| Property Address | 228 CENTENNIAL DR, STEPHENSON, VA 22656-1886 |
| Document Number | 0000005815 |
| Instrument Date | Jun 19, 2018 |
| Instrument | 180005815 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | DIRECT TITLE SOLUTIONS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 CENTENNIAL DR, STEPHENSON, VA 22656-1886 |
| Document Number | 0000005816 |
|---|---|
| Date | Jun 20, 2018 |
| Instrument | 180005816 |
| Name | HOMESPIRE MORTGAGE CORPORATION |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.88% |
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 | $2,103.00 (+10.45%) | $396,700 Land $93,000 Building $303,700 | $396,700 Land $93,000 Building $303,700 |
| 2025 | $1,904.00 |
228 Centennial Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Frederick County (51069C), updated February 3, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 29th in Virginia |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,941 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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