778 Headquarter Ln, Stephens City, VA 22655 Property Records

Warren County property record for 778 Headquarter Ln, Stephens City, VA 22655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,732 sqft · built 1992
Lot Size	6.42 acres (279,655 sqft)
Owner	Individual Name on File
Last Sale	$3,500,000 (Mar 2009)
Tax Bill	$3,097 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12/13`

Property Details

APN / Parcel Number

Primary APN	`12/13`
Alternative APN	`1480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,732 sqft Living Area
Gross Area	5,172 sqft
1st Floor Area	1,732 sqft
Basement Area	1,732 sqft
Unfinished Basement	1,732 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	279,655 sqft (6.42 acres)
Terrain	Rolling
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	456 sqft
Deck Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1480
Old Parcel Number	12 13
Street Address	778 HEADQUARTER LN
City	STEPHENS CITY
State	VA
Zip	22655-7026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LA-2 LEVI SEEKFORD LAND DIV DB 379-646 SL 148L
Legal Subdivision	NORTH RIVER-COUNTY
Jurisdiction	WARREN VA
Township / Civil Division	NORTH RIVER
Census Block Group	2
Census Block	2004
Census Tract	20200

Owner

778 Headquarter Ln is owned and occupied by an individual who bought it in March 2009.

Source: Warren County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	778 HEADQUARTER LN, STEPHENS CITY, VA 22655-7026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF CLARK COUNTY
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2009 · Amount on File
Deed Sale	Mar 30, 2009 · Amount on File
Deed Document Number	20091806
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Recording Date	Jul 7, 2026
Property Address	778 HEADQUARTER LN, STEPHENS CITY, VA 22655-7026
Document Number	0000003392
Instrument Date	Jun 5, 2026
Instrument	20263392
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	778 HEADQUARTER LN, STEPHENS CITY, VA 22655-7026

Mortgage

Document Number	0000003392,
Date	Jul 7, 2026
Instrument	20263392

Lender

Name	BANK OF CLARK COUNTY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	778 HEADQUARTER LN, STEPHENS CITY, VA 22655-7026
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002256
Date	Mar 15, 2021
Instrument	210002256

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 778 Headquarter Ln was $3,097, up 18.8% from the year before.

Source: Warren County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Warren County
Unified School District	Warren County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,097.00 (+18.8%)	$602,200 (+10.62%) Land $124,100 Building $478,100
2025	$2,607.00 (-39.6%)	$544,400 (+14.93%) Land $66,300 Building $478,100	$602,200 (+27.13%) Land $124,100 Building $478,100
2024	$4,316.00	$473,700 (-) Land $100,900 Building $372,800	$473,700 (-) Land $100,900 Building $372,800
2023		$473,700 Land $100,900 Building $372,800	$473,700 Land $100,900 Building $372,800
2022	$4,316.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 778 Headquarter Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 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

Wildfire risk around 778 Headquarter Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.04% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

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