768 Gun Clb Rd, Stephenson, VA 22656 Property Records

Frederick County property record for 768 Gun Clb Rd, Stephenson, VA 22656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1995
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,079 (2026)
Deeds & Mortgages	Jun 2023 Second Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`445-1-10`

Property Details

APN / Parcel Number

Primary APN	`445-1-10`
Alternative APN	`8009200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	3,748 sqft
1st Floor Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	388 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8009200
Street Address	768 GUN CLUB RD
City	STEPHENSON
State	VA
Zip	22656-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LEETOWN HEIGHTS L10 S1 5.00 ACRES
Legal Subdivision	LEETOWN
Legal Lot Number	10
Jurisdiction	FREDERICK VA
Township / Civil Division	STONEWALL
Census Block Group	3
Census Block	3000
Census Tract	50100

Owner

Source: Frederick County assessment roll, as of July 9, 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 File
Mailing Address	768 GUN CLUB RD, STEPHENSON, VA 22656-1804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CREDIT UNION INC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	768 GUN CLUB RD, STEPHENSON, VA 22656-1804
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004996
Date	Jun 20, 2023
Instrument	230004996

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2038

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	768 GUN CLUB RD, STEPHENSON, VA 22656-1804
Document Number	0000010255
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	768 GUN CLUB RD STEPHENSON VA 226561804, STEPHENSON, VA 22656-1804

Mortgage

Document Number	0000010255
Date	Sep 30, 2019
Instrument	10255

Lender

Name	VIRGINIA CU
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

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	$2,079.00 (+10.41%)	$392,320 Land $126,000 Building $266,320	$392,320 Land $126,000 Building $266,320
2025	$1,883.00

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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