232 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 232 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,660 sqft · built 2018
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jun 2023)
Tax Bill	$1,883 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-5-62`

Property Details

APN / Parcel Number

Primary APN	`756-5-62`
Alternative APN	`8050102`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,660 sqft Living Area
Gross Area	2,585 sqft
1st Floor Area	830 sqft
Basement Area	607 sqft
Finished Basement	607 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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
Deck Area	95 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8050102
Street Address	232 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6005
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER
Legal Subdivision	THE TOWNES AT TASKER
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	Individual Name on Record
Mailing Address	232 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Warranty Deed, Transfer · FHA Mortgage CBM MORTGAGE INC
Jan 2, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Jun 15, 2018	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	20235354
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 27, 2023
Property Address	232 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Document Number	0000005354
Instrument Date	Jun 26, 2023
Instrument	230005354
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	232 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005

Mortgage

Document Number	0000005355
Date	Jun 27, 2023
Instrument	230005355

Lender

Name	CBM MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 2, 2019
Property Address	232 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Document Number	0000000082
Instrument Date	Dec 26, 2018
Instrument	190000082
Transaction Type	Subdivision Related Transfer
Record Updated	May 28, 2021
Title Company	CARDINAL TITLE GROUP LLC

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	232 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005

Mortgage

Document Number	0000000083
Date	Jan 2, 2019
Instrument	190000083

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

Interest

Rate Type	Fixed Rate

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 15, 2018
Property Address	232 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6005
Document Number	0000005638
Instrument Date	Jun 15, 2018
Instrument	5638
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$399.00
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	64 THOMAS JOHNSON DR #110 FREDERICK MD 217024735, 110, FREDERICK, MD 21702-4735
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	$1,883.00 (+10.44%)	$355,200 (+16.69%) Land $68,000 Building $287,200	$355,200 (+16.69%) Land $68,000 Building $287,200
2025	$1,705.00 (+9.86%)
2023	$1,552.00	$304,400 Land $52,000 Building $252,400	$304,400 Land $52,000 Building $252,400

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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