229 High Banks Rd, Stephenson, VA 22656 Property Records

Frederick County property record for 229 High Banks Rd, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,062 sqft · built 1978
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Mar 2013)
Tax Bill	$2,821 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454-1-11`

Property Details

APN / Parcel Number

Primary APN	`454-1-11`
Alternative APN	`8009311`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	4,589 sqft
1st Floor Area	2,062 sqft
Basement Area	840 sqft
Finished Basement	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2008
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	131,987 sqft (3.03 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	443 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8009311
Street Address	229 HIGH BANKS RD
City	STEPHENSON
State	VA
Zip	22656-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	OPEQUON RIDGE L11 S1 3.03 ACRES
Legal Subdivision	OPEQUON RIDGE
Legal Lot Number	11
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	3
Census Block	3012
Census Tract	50100

Owner

229 High Banks Rd is owned and occupied by two individuals who bought it in March 2013.

Source: Frederick County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	229 HIGH BANKS RD, STEPHENSON, VA 22656-2011
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Jun 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 7, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2013 · Amount on File
Deed Sale	Mar 15, 2013 · Amount on File
Deed Book / Page	1300 / 3060
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 1, 2020
Property Address	229 HIGH BANKS RD, STEPHENSON, VA 22656-2011
Document Number	0000011762
Instrument Date	Aug 29, 2020
Instrument	11762
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	229 HIGH BANKS RD STEPHENSON VA 226562011, STEPHENSON, VA 22656-2011

Mortgage

Document Number	11763
Date	Sep 1, 2020
Instrument	11763

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	229 HIGH BANKS RD, STEPHENSON, VA 22656-2011
Document Number	0000005405
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 HIGH BANKS RD STEPHENSON VA 226562011, STEPHENSON, VA 22656-2011

Mortgage

Document Number	0000005405
Date	Jun 8, 2018
Instrument	5405

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2048

Interest

Rate	4.99%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	229 HIGH BANKS RD, STEPHENSON, VA 22656-2011
Document Number	0000002843
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 HIGH BANKS RD STEPHENSON VA 226562011, STEPHENSON, VA 22656-2011

Mortgage

Document Number	0000002843
Date	Mar 22, 2017
Instrument	2843

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 21, 2057

Interest

Rate Type	Adjustable Rate
Rate	7%

Tax Assessment & Valuation

The 2026 property tax bill for 229 High Banks Rd was $2,821, up 10.4% from the year before.

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	$2,821.00 (+10.41%)	$532,240 Land $112,300 Building $419,940	$532,240 Land $112,300 Building $419,940
2025	$2,555.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 229 High Banks Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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	1 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

Wildfire risk around 229 High Banks Rd is low, with a 0.03% annual chance of 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	0.03% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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