Frederick County property record for 451 Woods Mill Rd, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,604 sqft · built 2006 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,983 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 55A-124A |
| Primary APN | 55A-124A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,604 sqft Living Area |
| Gross Area | 5,308 sqft |
| 1st Floor Area | 1,224 sqft |
| Basement Area | 1,224 sqft |
| Finished Basement | 1,224 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Terrain | Rolling |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 60 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8043703 |
|---|---|
| Street Address | 451 WOODS MILL RD |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-2040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 4.00 ACRES |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4036 |
| 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 | 451 WOODS MILL RD, STEPHENSON, VA 22656-2040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Oct 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC |
| May 11, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jun 27, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 451 WOODS MILL RD, STEPHENSON, VA 22656-2040 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002472 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 210002472 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 451 WOODS MILL RD, STEPHENSON, VA 22656-2040 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016898 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 210016898 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 451 WOODS MILL RD, STEPHENSON, VA 22656-2040 |
| Document Number | 0000006640 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 451 WOODS MILL RD STEPHENSON VA 226562040, STEPHENSON, VA 22656-2040 |
| Document Number | 0000006640 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | 6640 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 3, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 451 WOODS MILL RD, STEPHENSON, VA 22656-2040 |
| Document Number | 0000007198 |
| Instrument Date | Jun 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 451 WOODS MILL RD STEPHENSON VA 226562040, STEPHENSON, VA 22656-2040 |
| Document Number | 0000007198 |
|---|---|
| Date | Jul 18, 2017 |
| Instrument | 7198 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2047 |
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 | $2,983.00 (+10.4%) | $562,900 Land $110,500 Building $452,400 | $562,900 Land $110,500 Building $452,400 |
| 2025 | $2,702.00 |
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 | 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.
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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures