Frederick County property record for 541 Stephenson Rd, Stephenson, VA 22656
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,556 sqft · built 1956 |
| Lot Size | 1.31 acres (57,064 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,663 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 44A-174 |
| Primary APN | 44A-174 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,556 sqft Living Area |
| Gross Area | 4,030 sqft |
| 1st Floor Area | 1,556 sqft |
| Basement Area | 778 sqft |
| Unfinished Basement | 778 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 57,064 sqft (1.31 acres) |
| Terrain | Rolling |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 640 sqft |
| Porch | Porch |
| Porch Area | 1,158 sqft |
| Deck Area | 732 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 8009044 |
|---|---|
| Street Address | 541 STEPHENSON RD |
| City | STEPHENSON |
| State | VA |
| Zip | 22656-1844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 1.31 ACRES |
| Legal Subdivision | 5 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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 | 541 STEPHENSON RD, STEPHENSON, VA 22656-1844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Nov 12, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 541 STEPHENSON RD, STEPHENSON, VA 22656-1844 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000009278 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 210009278 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 541 STEPHENSON RD, STEPHENSON, VA 22656-1844 |
| Document Number | 0000014027 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 541 STEPHENSON RD STEPHENSON VA 226561844, STEPHENSON, VA 22656-1844 |
| Document Number | 0000014027 |
|---|---|
| Date | Dec 27, 2019 |
| Instrument | 14027 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2049 |
| 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 | $1,663.00 (+10.42%) | $313,700 (-) Land $91,800 Building $221,900 | $313,700 (-) Land $91,800 Building $221,900 |
| 2025 | $1,506.00 | $313,700 Land $91,800 Building $221,900 | $313,700 Land $91,800 Building $221,900 |
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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