5901 Valley Pike, Stephens City, VA 22655 Property Records

Frederick County property record for 5901 Valley Pike, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,454 sqft · built 1964
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on File
Tax Bill	$1,730 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85A-65`

Property Details

APN / Parcel Number

Primary APN	`85A-65`
Alternative APN	`8025253`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,454 sqft Living Area
Gross Area	3,571 sqft
1st Floor Area	1,454 sqft
Basement Area	1,454 sqft
Finished Basement	1,454 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	479 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	8025253
Street Address	5901 VALLEY PIKE
City	STEPHENS CITY
State	VA
Zip	22655-5339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	1.24 ACRES
Jurisdiction	FREDERICK VA
Township / Civil Division	OPEQUON
Census Block Group	2
Census Block	2051
Census Tract	50600

Owner

5901 Valley Pike is owned and occupied by an individual who acquired it in September 2019.

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	Individual Name on File
Mailing Address	5901 VALLEY PIKE, STEPHENS CITY, VA 22655-5339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage HOMETAP EQUITY PARTNERS LLC
Sep 23, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CBM MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 17, 2019
Transfer Doc	0000009942
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	5901 VALLEY PIKE, STEPHENS CITY, VA 22655-5339
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002034
Date	Mar 15, 2024
Instrument	240002034

Lender

Name	HOMETAP EQUITY PARTNERS LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Sep 23, 2019
Property Address	5901 VALLEY PIKE, STEPHENS CITY, VA 22655-5339
Document Number	0000009942
Instrument Date	Sep 17, 2019
Instrument	190009942
Transaction Type	Transfer
Record Updated	May 28, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5901 VALLEY PIKE, STEPHENS CITY, VA 22655-5339

Mortgage

Document Number	0000009943
Date	Sep 23, 2019
Instrument	190009943

Lender

Name	CBM MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5901 Valley Pike was $1,730, up 10.4% from the year before.

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	$1,730.00 (+10.4%)	$326,400 Land $101,800 Building $224,600	$326,400 Land $101,800 Building $224,600
2025	$1,567.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5901 Valley Pike in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5901 Valley Pike is low, with a 0.03% annual chance of wildfire.

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	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF STEPHENS CITY serves 2,700 people · EPA ID VA2069634
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20

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

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