243 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 243 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,760 sqft · built 2014
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Oct 2016)
Tax Bill	$1,941 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`756-1-46`

Property Details

APN / Parcel Number

Primary APN	`756-1-46`
Alternative APN	`8048880`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	3,112 sqft
1st Floor Area	858 sqft
Basement Area	638 sqft
Finished Basement	638 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8048880
Street Address	243 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6003
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L46 S1
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	46
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	243 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Apr 21, 2018	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
May 30, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2016 · Amount on Record
Deed Sale	Oct 31, 2016 · Amount on Record
Prior Sale	Mar 30, 2015 · Amount on Record
Deed Document Number	201610923
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	243 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Document Number	0000009555
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	243 SCHRAMM LOOP STEPHENS CITY VA 226556003, STEPHENS CITY, VA 22655-6003

Mortgage

Document Number	0000009555
Date	Sep 16, 2019
Instrument	9555

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	243 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Document Number	0000004233
Instrument Date	Apr 21, 2018
Transaction Type	Mortgage
Record Updated	May 14, 2018
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	243 SCHRAMM LOOP STEPHENS CITY VA 226556003, STEPHENS CITY, VA 22655-6003

Mortgage

Document Number	0000004233
Date	May 7, 2018
Instrument	4233

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	243 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Document Number	0000005929
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	243 SCHRAMM LOOP STEPHENS CITY VA 226556003, STEPHENS CITY, VA 22655-6003

Mortgage

Document Number	0000005929
Date	Jun 14, 2017
Instrument	5929

Lender

Name	CLEARPATH LNDG
Address	IRVINE, VA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

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	$1,941.00 (+10.41%)	$366,200 Land $68,000 Building $298,200	$366,200 Land $68,000 Building $298,200
2025	$1,758.00

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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