421 Albin Dr, Stephens City, VA 22655 Property Records

Frederick County property record for 421 Albin Dr, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,500 sqft · built 2006
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$371,000 (Mar 2007)
Tax Bill	$2,521 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Jul 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`75F4-204`

Property Details

APN / Parcel Number

Primary APN	`75F4-204`
Alternative APN	`8043857`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,500 sqft Living Area
Gross Area	4,721 sqft
1st Floor Area	1,230 sqft
Basement Area	1,230 sqft
Unfinished Basement	1,230 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	319 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8043857
Street Address	421 ALBIN DR
City	STEPHENS CITY
State	VA
Zip	22655-5947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	ALBIN ESTATES L204
Legal Subdivision	ALBIN ESTATES
Legal Lot Number	204
Jurisdiction	FREDERICK VA
Township / Civil Division	SHAWNEE
Census Block Group	1
Census Block	1000
Census Tract	50804

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	Individual Name on Record
Mailing Address	421 ALBIN DR, STEPHENS CITY, VA 22655-5947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOWER LLC
Jul 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Jul 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORPORATIO
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2007 · Amount on Record
Deed Sale	Mar 1, 2007 · Amount on Record
Deed Book / Page	700 / 3456
Last Transfer Date	Oct 16, 2014
Transfer Doc	1400009415
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	421 ALBIN DR, STEPHENS CITY, VA 22655-5947
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002447
Date	Mar 16, 2026
Instrument	260002447

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	9%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	421 ALBIN DR, STEPHENS CITY, VA 22655-5947
Transaction Type	Mortgage
Record Updated	Aug 2, 2023
Title Company	NOT AVAILABLE, TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005849
Date	Jul 13, 2023
Instrument	230005849

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	421 ALBIN DR, STEPHENS CITY, VA 22655-5947
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007210
Date	Jul 27, 2018
Instrument	180007210

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORPORATIO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2043

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	421 ALBIN DR, STEPHENS CITY, VA 22655-5947
Document Number	0000001615
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 ALBIN DR STEPHENS CITY VA 226555947, STEPHENS CITY, VA 22655-5947

Mortgage

Document Number	0000001615
Date	Feb 11, 2020
Instrument	1615

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

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	$2,521.00 (+10.42%)	$475,664 (-) Land $98,000 Building $377,664	$475,664 (-) Land $98,000 Building $377,664
2025	$2,283.00	$475,664 Land $98,000 Building $377,664	$475,664 Land $98,000 Building $377,664

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	3 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	0.01% annual chance
Exposure	None beyond ember reach

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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Nearby Properties on Albin Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures