246 Schramm Loop, Stephens City, VA 22655 Property Records

Frederick County property record for 246 Schramm Loop, Stephens City, VA 22655

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,320 sqft · built 2015
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jul 2025)
Tax Bill	$1,594 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`756-1-56`

Property Details

APN / Parcel Number

Primary APN	`756-1-56`
Alternative APN	`8048890`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	2,205 sqft
1st Floor Area	640 sqft
Basement Area	420 sqft
Finished Basement	420 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2023
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
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	21 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8048890
Street Address	246 SCHRAMM LOOP
City	STEPHENS CITY
State	VA
Zip	22655-6006
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RATR
Legal Description	THE TOWNES AT TASKER L56AS1
Legal Subdivision	THE TOWNES AT TASKER
Legal Lot Number	56
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2040
Census Tract	50900

Owner

Source: Frederick County records · APN 756-1-56

Assessment roll updated July 9, 2026 · Last verified August 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 File
Mailing Address	311 NORLAND KNOLL DR, STEPHENSON, VA 22656-2127
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 03, 2019	Deed of Trust, Mortgage · ARM CITY NATIONAL BANK OF WEST VIRGINIA
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	Aug 07, 2015 · Amount on Record
Deed Document Number	20257522
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	246 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6006
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005235
Date	Jun 03, 2019
Instrument	190005235

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	Jun 01, 2039

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 01, 2029

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	246 SCHRAMM LOOP, STEPHENS CITY, VA 22655-6006
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005204
Date	Mar 29, 2021
Instrument	210005204

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,594.00 (+10.46%)	$300,700 Land $68,000 Building $232,700	$300,700 Land $68,000 Building $232,700
2025	$1,443.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: Shenandoah Telecommunications Company.

Based on FCC filings for 110 locations within half a mile of this property.

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