Frederick County property record for 281 Woods Mill Dr, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,598 sqft · built 1996 |
| Lot Size | 10.1 acres (439,956 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,132 (2026) |
| Deeds & Mortgages | Jun 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557-7 |
| Primary APN | 557-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,598 sqft Living Area |
| Gross Area | 7,729 sqft |
| 1st Floor Area | 1,308 sqft |
| Basement Area | 1,308 sqft |
| Finished Basement | 1,308 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 439,956 sqft (10.1 acres) |
| Terrain | Rolling |
| Garage Area | 918 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 944 sqft |
| Deck Area | 345 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8029050 |
|---|---|
| Street Address | 281 WOODS MILL DR |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-2054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | WOODS MILL L7 10.10 ACRES |
| Legal Subdivision | WOODS MILL |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 50100 |
281 Woods Mill Dr is owned and occupied by two individuals.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 281 WOODS MILL DR, STEPHENSON, VA 22656-2054 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 281 WOODS MILL DR, STEPHENSON, VA 22656-2054 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010937 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 210010937 |
| Name | ALLIANT CU |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 176 Months |
| Due | Feb 24, 2036 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 281 Woods Mill Dr was $4,132, up 10.4% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,132.00 (+10.42%) | $779,604 Land $166,300 Building $613,304 | $779,604 Land $166,300 Building $613,304 |
| 2025 | $3,742.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 Woods Mill 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 risk around 281 Woods Mill 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 80% of the US · lower than 71% 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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