558 Garden Gate Dr, Stephens City, VA 22655 Property Records

Frederick County property record for 558 Garden Gate Dr, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,468 sqft · built 2013
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,605 (May 2013)
Tax Bill	$2,477 (2026)
Deeds & Mortgages	Jan 2021 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85E1-3-154`

Property Details

APN / Parcel Number

Primary APN	`85E1-3-154`
Alternative APN	`8048516`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,044 sqft
Basement Area	360 sqft
Finished Basement	360 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Terrain	Rolling
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Deck Area	262 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	8048516
Street Address	558 GARDEN GATE DR
City	STEPHENS CITY
State	VA
Zip	22655-5346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	MEADOWS EDGE L154 P3A
Legal Subdivision	MEADOWS EDGE
Legal Phase	3
Legal Lot Number	154
Jurisdiction	FREDERICK VA
Township / Civil Division	OPEQUON
Census Block Group	3
Census Block	3014
Census Tract	50801

Owner

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	558 GARDEN GATE DR, STEPHENS CITY, VA 22655-5346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Feb 7, 2017	Deed of Trust, Mortgage · FHA Mortgage GREENLIGHT LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2013 · Amount on Record
Deed Sale	May 9, 2013 · Amount on Record
Deed Book / Page	1300 / 5418
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	558 GARDEN GATE DR, STEPHENS CITY, VA 22655-5346
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001189
Date	Jan 21, 2021
Instrument	210001189

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	558 GARDEN GATE DR, STEPHENS CITY, VA 22655-5346
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019783
Date	Nov 24, 2021
Instrument	210019783

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	558 GARDEN GATE DR, STEPHENS CITY, VA 22655-5346
Document Number	0000001574
Instrument Date	Feb 7, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	558 GARDEN GATE DR STEPHENS CITY VA 226555346, STEPHENS CITY, VA 22655-5346

Mortgage

Document Number	0000001574
Date	Feb 10, 2017
Instrument	1574

Lender

Name	GREENLIGHT LOANS
Type	Funding / Finance Company
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

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	$2,477.00 (+10.38%)	$467,400 Land $98,000 Building $369,400	$467,400 Land $98,000 Building $369,400
2025	$2,244.00

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	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.

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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: Glo Fiber, T-Mobile.

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