Frederick County property record for 232 High Banks Rd, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,072 sqft · built 1978 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,546 (2026) |
| Deeds & Mortgages | May 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 563-2-4 |
| Primary APN | 563-2-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,072 sqft Living Area |
| Gross Area | 2,200 sqft |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 128 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8016012 |
|---|---|
| Street Address | 232 HIGH BANKS RD |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-2007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | OPEQUON ESTATES L4 BA S2 2.00 ACRES |
| Legal Subdivision | OPEQUON EST |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50100 |
232 High Banks Rd is owned and occupied by two individuals.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 HIGH BANKS RD, STEPHENSON, VA 22656-2007 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 232 HIGH BANKS RD, STEPHENSON, VA 22656-2007 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008782 |
|---|---|
| Date | May 25, 2021 |
| Instrument | 210008782 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 232 High Banks Rd was $1,546, up 10.4% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,546.00 (+10.43%) | $291,668 Land $100,000 Building $191,668 | $291,668 Land $100,000 Building $191,668 |
| 2025 | $1,400.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 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 risk around 232 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.
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 |
5G (outdoors only) and 4G LTE
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