231 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 231 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,340 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$231,500 (Oct 2019)
Tax Bill	$1,629 (2026)
Deeds & Mortgages	Jan 2021 Refinance Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-5-41`

Property Details

APN / Parcel Number

Primary APN	`756-5-41`
Alternative APN	`8050097`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,340 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	640 sqft
Basement Area	417 sqft
Finished Basement	417 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
Patio 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	8050097
Street Address	231 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 L41 S5
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	41
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 Individual Names on Record
Mailing Address	231 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE OF AMERICA MORTGAGE LLC
Oct 28, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
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 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Deed Document Number	201911472
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	231 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	DIRECT TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001272
Date	Jan 21, 2021
Instrument	210001272

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 28, 2019
Property Address	231 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002
Document Number	0000011472
Instrument Date	Oct 24, 2019
Instrument	190011472
Transaction Type	Subdivision Related Transfer
Record Updated	May 28, 2021

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	231 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6002

Mortgage

Document Number	0000011473
Date	Oct 28, 2019
Instrument	190011473

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	May 10, 2019
Property Address	231 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	$1,629.00 (+10.44%)	$307,380 Land $68,000 Building $239,380	$307,380 Land $68,000 Building $239,380
2025	$1,475.00

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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