306 Woods Mill Dr, Stephenson, VA 22656 Property Records

Frederick County property record for 306 Woods Mill Dr, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,845 sqft · built 2021
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Aug 2021)
Tax Bill	$4,585 (2026)
Deeds & Mortgages	Sep 2020 Refinance Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557-2C`

Property Details

APN / Parcel Number

Primary APN	`557-2C`
Alternative APN	`8051022`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,845 sqft Living Area
Gross Area	9,101 sqft
1st Floor Area	2,848 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2025
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8051022
Street Address	306 WOODS MILL DR
City	STEPHENSON
State	VA
Zip	22656-2052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	WOODS MILL L2C 5.00 ACRES
Legal Subdivision	WOODS MILL
Legal Lot Number	2
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	4
Census Block	4037
Census Tract	50100

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	306 WOODS MILL DR, STEPHENSON, VA 22656-2052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance THE BANK OF ROMNEY
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Jul 17, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF ROMNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Prior Sale	Jul 17, 2019 · Amount on Record
Deed Document Number	202113669
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	306 WOODS MILL DR, STEPHENSON, VA 22656-2052
Transaction Type	Mortgage
Record Updated	Jul 1, 2022
Title Company	FIRST EXCEL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012227
Date	Sep 9, 2020
Instrument	200012227

Lender

Name	THE BANK OF ROMNEY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 13, 2021
Property Address	306 WOODS MILL DR, STEPHENSON, VA 22656-2052
Document Number	0000013669
Instrument Date	Aug 12, 2021
Instrument	210013669
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	306 WOODS MILL DR, STEPHENSON, VA 22656-2052

Mortgage

Document Number	0000013670
Date	Aug 13, 2021
Instrument	210013670

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jul 17, 2019
Property Address	306 WOODS MILL DR, STEPHENSON, VA 22656-2052
Document Number	0000007023
Instrument Date	Jul 16, 2019
Instrument	7023
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 EWELL CT BERRYVILLE VA 226111435, BERRYVILLE, VA 22611-1435

Mortgage

Document Number	7024
Date	Jul 17, 2019
Instrument	7024

Lender

Name	BANK OF ROMNEY
Type	Bank
Address	ROMNEY, WV 26757

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2049

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	$4,585.00 (+10.43%)	$865,000 Land $128,000 Building $737,000	$865,000 Land $128,000 Building $737,000
2025	$4,152.00

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
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

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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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