Frederick County property record for 472 Stephenson Rd, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1955 |
| Lot Size | 0.6 acres (26,028 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $151,500 (Jun 2019) |
| Tax Bill | $1,174 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44C1-7 |
| Primary APN | 44C1-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,496 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,028 sqft (0.6 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 8008827 |
|---|---|
| Street Address | 472 STEPHENSON RD |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | HEPFER L7 |
| Legal Subdivision | HEPFER |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 50100 |
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 | 472 STEPHENSON RD, STEPHENSON, VA 22656-1737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance USAA FEDERAL SAVINGS BANK |
| Jun 6, 2019 | Grant Deed, Transfer · Conventional with PMI USAA |
| Sep 19, 2018 | Warranty Deed, Transfer · Commercial Mortgage CITY NATIONAL BANK OF WEST VIRGINIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2019 · Amount on Record |
| Deed Sale | Jun 6, 2019 · Amount on Record |
| Prior Sale | Sep 19, 2018 · Amount on Record |
| Deed Document Number | 20195401 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 472 STEPHENSON RD, STEPHENSON, VA 22656-1737 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATL TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000002589 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 210002589 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 6, 2019 |
| Property Address | 472 STEPHENSON RD, STEPHENSON, VA 22656-1737 |
| Document Number | 0000005401 |
| Instrument Date | Jun 5, 2019 |
| Instrument | 5401 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 472 STEPHENSON RD STEPHENSON VA 226561737, STEPHENSON, VA 22656-1737 |
| Document Number | 5402 |
|---|---|
| Date | Jun 6, 2019 |
| Instrument | 5402 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 5, 2049 |
| Rate | 4.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 19, 2018 |
| Property Address | 472 STEPHENSON RD, STEPHENSON, VA 22656-1737 |
| Document Number | 0000009245 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 180009245 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2789 MARTINSBURG PIKE # 3, 3, STEPHENSON, VA 22656-1720 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009246 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 180009246 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|
| Type | Commercial Mortgage |
|---|---|
| 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 | $1,174.00 (+10.44%) | $221,500 Land $89,000 Building $132,500 | $221,500 Land $89,000 Building $132,500 |
| 2025 | $1,063.00 |
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 |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% 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 180 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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