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TownhouseResidential
$401,838$225 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $402,277 on May 27, 2025

109 CACTUS PL

STEPHENSON, VA 22656
3
Beds
2.5
Baths
1,784 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,614 ft²
Lot SizeThe size of the land the home sits on, from county records.
2025
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$402K
$382K low$422K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$402,277 · May 27, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,816 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$342,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$274,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$342,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$342,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
26
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.4 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.0.06
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Jordan Springs Elementary SchoolC+
Elementary · Grades PK–5 · 1.2 mi
H
James Wood High SchoolB-
High · Grades 9–12 · 3.5 mi
M
James Wood Middle SchoolD+
Middle · Grades 6–8 · 4.1 mi

District: Frederick County Public Schools

Neighborhood · ZIP 22656These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.63
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.4,395
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.521 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$112,333
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,464
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Cactus Pl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 66% of homes in Stephenson 22656
  • Costs less per square foot than 65% of homes in Frederick County
  • Has a smaller lot than 92% of homes in Frederick County
  • Among the newest homes in Stephenson 22656

What homes are worth in Stephenson 22656

Each bar is how many homes fall in that price range. The marker is this home.

This home
$256K$774K

This home is worth more than 34% of homes in Stephenson 22656.

How it measures up in Stephenson 22656

The dot is this home. The mark in the middle is the typical home in Stephenson 22656.

Estimated value$401,838
CheaperTypical $496,370Pricier

Pricier than 34% of homes nearby

Price per ft²$225
CheaperTypical $236Pricier

Pricier than 40% of homes nearby

Living area1,784 ft²
SmallerTypical 1,948 ft²Bigger

Bigger than 40% of homes nearby

Lot size2,614 ft²
SmallerTypical 0.18 acBigger

Bigger than 19% of homes nearby

Year built2025
OlderTypical 2016Newer

Newer than almost all homes nearby

How 109 Cactus Pl ranks against every home in each area.
MeasureThis homeStephenson 22656Frederick County
Estimated valuepricier than$401,83834% of homes44% of homes
Price per ft²pricier than$22540% of homes35% of homes
Living areabigger than1,784 ft²40% of homes54% of homes
Lot sizebigger than2,614 ft²19% of homes8% of homes
Year builtnewer than2025almost all homesalmost all homes

About 109 Cactus Pl

How much is 109 Cactus Pl, Stephenson, VA worth?

The TopHap Estimate for 109 Cactus Pl, Stephenson, VA is $401,838 as of Aug 30, 2026. The likely range is $381,743 to $421,933. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Cactus Pl, Stephenson, VA last sell?

109 Cactus Pl, Stephenson, VA last sold on May 27, 2025 for $402,277, according to the county's recorded deed.

How big is 109 Cactus Pl, Stephenson, VA?

109 Cactus Pl, Stephenson, VA has 3 bedrooms, 2.5 bathrooms, 1,784 square feet of living space and a 0.06-acre lot.

When was 109 Cactus Pl, Stephenson, VA built?

109 Cactus Pl, Stephenson, VA was built in 2025, making it 1 years old. It is a townhouse home. The building has 2 stories.

What schools serve 109 Cactus Pl, Stephenson, VA?

109 Cactus Pl, Stephenson, VA is assigned to Jordan Springs Elementary School (elementary), rated C+; James Wood High School (high), rated B-; James Wood Middle School (middle), rated D+. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Cactus Pl, Stephenson, VA compare to other homes in Stephenson 22656?

Among the 2,292 homes in Stephenson 22656, it is worth more than 34% of them ($401,838 against a typical $496,370), its price per square foot is higher than 40% of them ($225 against a typical $236), it is bigger than 40% of them (1,784 ft² against a typical 1,948 ft²), its lot is bigger than 19% of them (2,614 ft² against a typical 0.18 ac) and it is newer than almost all of them (2025 against a typical 2016). Measured against all of Frederick County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Cactus Pl, Stephenson, VA?

The 2026 property tax bill for 109 Cactus Pl, Stephenson, VA was $1,816. The county assessed it at $342,600.

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