Frederick County property record for 331 Stephenson Rd, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,133 sqft · built 2021 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $80,000 (Jul 2019) |
| Tax Bill | $3,612 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jun 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44A-121I |
| Primary APN | 44A-121I |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,133 sqft Living Area |
| Gross Area | 5,841 sqft |
| 1st Floor Area | 1,190 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Rolling |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8051305 |
|---|---|
| Street Address | 331 STEPHENSON RD |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | MORGAN SUBDIVISION L7 5.00 ACRES |
| Legal Subdivision | MORGAN SUBDIVISION |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 50100 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 331 STEPHENSON RD, STEPHENSON, VA 22656-1732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE LLC |
| Oct 22, 2020 | Deed of Trust, Mortgage · Line of Credit MITCHELL HMS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2019 · Amount on Record |
| Deed Sale | Jul 29, 2019 · Amount on Record |
| Deed Document Number | 20197509 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 331 STEPHENSON RD, STEPHENSON, VA 22656-1732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 331 STEPHENSON RD, STEPHENSON, VA 22656-1732 |
| Document Number | 0000008938 |
|---|---|
| Date | Sep 9, 2025 |
| Instrument | 250008938 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 331 STEPHENSON RD, STEPHENSON, VA 22656-1732 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000010166 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 210010166 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 331 STEPHENSON RD, STEPHENSON, VA 22656-1732 |
| Document Number | 0000017560 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 0000017560 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | 17560 |
| Name | MITCHELL HMS |
|---|---|
| Address | POWHATAN, VA 23139 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,612.00 (+27.59%) | $589,800 (-) Land $126,000 Building $463,800 | $589,800 (-) Land $126,000 Building $463,800 |
| 2025 | $2,831.00 | $589,800 Land $126,000 Building $463,800 | $589,800 Land $126,000 Building $463,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Jan 2024 |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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