256 Northumberland Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 256 Northumberland Dr, Stephenson, VA 22656

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 2,016 sqft · built 2018
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on File
Last Sale	$266,527 (Jun 2018)
Tax Bill	$2,219 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44E1-9-21`

Property Details

APN / Parcel Number

Primary APN	`44E1-9-21`
Alternative APN	`8050298`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
Gross Area	3,242 sqft
1st Floor Area	1,008 sqft
Basement Area	630 sqft
Finished Basement	630 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	2,614 sqft (0.06 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8050298
Street Address	256 NORTHUMBERLAND DR
City	STEPHENSON
State	VA
Zip	22656-1791
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R4
Legal Description	SNOWDEN BRIDGE L21 S9
Legal Subdivision	5
Legal Lot Number	21
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4019
Census Tract	50100

Owner

256 Northumberland Dr, a townhouse, is owned and occupied by two individuals who bought it in June 2018.

Source: Frederick County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	256 NORTHUMBERLAND DR, STEPHENSON, VA 22656-1791
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 29, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Jun 29, 2018	Special Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Deed Document Number	20186167
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	256 NORTHUMBERLAND DR, STEPHENSON, VA 22656-1791
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007700
Date	Jun 24, 2020
Instrument	200007700

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	256 NORTHUMBERLAND DR, STEPHENSON, VA 22656-1791
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011497
Date	Oct 29, 2019
Instrument	190011497

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	256 NORTHUMBERLAND DR, STEPHENSON, VA 22656-1791
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015854
Date	Sep 21, 2021
Instrument	210015854

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 29, 2018
Property Address	256 NORTHUMBERLAND DR, STEPHENSON, VA 22656-1791
Document Number	0000006167
Instrument Date	Jun 28, 2018
Instrument	180006167
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	CHAMPION TITLE & STLMNTS INC

Transaction

Amount	Amount on Record
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	256 NORTHUMBERLAND DR, STEPHENSON, VA 22656-1791
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006168
Date	Jun 29, 2018
Instrument	180006168

Lender

Name	ACADEMY MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 256 Northumberland Dr was $2,219, up 10.4% from the year before.

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	$2,219.00 (+10.4%)	$418,700 Land $68,000 Building $350,700	$418,700 Land $68,000 Building $350,700
2025	$2,010.00

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

Flood

FEMA maps place 256 Northumberland Dr in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 256 Northumberland Dr 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 532 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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