232 Hackberry Dr, Stephens City, VA 22655 Property Records

Frederick County property record for 232 Hackberry Dr, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1986
Lot Size	0.29 acres (12,743 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,442 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`75B14-1-13`

Property Details

APN / Parcel Number

Primary APN	`75B14-1-13`
Alternative APN	`8028411`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	1,144 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2011
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,743 sqft (0.29 acres)
Deck Area	412 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8028411
Street Address	232 HACKBERRY DR
City	STEPHENS CITY
State	VA
Zip	22655-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	THE VILLAGE AT LAKESIDE L13 S1
Legal Subdivision	THE VILLAGE
Legal Lot Number	13
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2009
Census Tract	50807

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	232 HACKBERRY DR, STEPHENS CITY, VA 22655-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	232 HACKBERRY DR, STEPHENS CITY, VA 22655-2126
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007752
Date	Sep 5, 2023
Instrument	230007752

Lender

Name	BANK OF CLARKE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 9, 2048

Interest

Rate Type	Adjustable Rate

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	$1,442.00 (+10.41%)	$272,000 Land $98,000 Building $174,000	$272,000 Land $98,000 Building $174,000
2025	$1,306.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250