245 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 245 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,387 sqft · built 2014
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Feb 2024)
Tax Bill	$1,619 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`756-1-47`

Property Details

APN / Parcel Number

Primary APN	`756-1-47`
Alternative APN	`8048881`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,387 sqft Living Area
Gross Area	2,067 sqft
1st Floor Area	656 sqft
Basement Area	436 sqft
Finished Basement	436 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

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8048881
Street Address	245 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 L47 S1
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	47
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	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · FHA Mortgage SERVICEMAC LLC
Feb 13, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SELECT LENDING HOME LOANS
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit 3RD PARTY INDIVIDUAL
Aug 24, 2023	Warranty Deed, Transfer PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2024 · Amount on Record
Deed Sale	Feb 13, 2024 · Amount on Record
Prior Sale	Aug 24, 2023 · Amount on Record
Deed Document Number	20241085
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003

Mortgage

Document Number	0000009563
Date	Sep 26, 2025
Instrument	250009563

Lender

Name	SERVICEMAC LLC
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Mar 1, 2054

February 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 13, 2024
Property Address	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Document Number	0000001085
Instrument Date	Feb 12, 2024
Instrument	240001085
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 28, 2024
Title Company	REGIS TITLE LLC, RGS TITLE 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	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003

Mortgage

Document Number	0000001086
Date	Feb 13, 2024
Instrument	240001086

Lender

Name	SELECT LENDING HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Transaction Type	Mortgage
Record Updated	Oct 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008188
Date	Sep 18, 2023
Instrument	230008188

Lender

Name	3RD PARTY INDIVIDUAL
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 24, 2023
Property Address	245 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6003
Document Number	0000007426
Instrument Date	Aug 23, 2023
Instrument	230007426
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1587 ARTZ RD, WOODSTOCK, VA 22664-2566

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	$1,619.00 (+10.44%)	$305,400 (+16.92%) Land $68,000 Building $237,400	$305,400 (+16.92%) Land $68,000 Building $237,400
2025	$1,466.00 (+10.06%)
2023	$1,332.00	$261,200 Land $52,000 Building $209,200	$261,200 Land $52,000 Building $209,200

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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