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Listing provided courtesy of RE/MAX Roots- MLS# VAFV2040732MLS ProviderContact Information: 5406867362

221 SETTLERS LANESTEPHENSON, VA 22656

Single Family · 4 Beds · 3 Full Baths · 3,020 Sq. ft. | 8.89 Acres
$665,000 ACTIVE

221 SETTLERS LANE Overview

Time on Site:
68 days
Visits:
1

Spacious custom contemporary home set on 8.89 scenic acres, offering peaceful rural living just minutes from Winchester with convenient access to commuter routes. Designed and built by the original owner/architect, this property features 9+ ft ceilings with exposed wood beams, blending character and craftsmanship throughout. This 4-bedroom, 3-bath brick home offers wood and tile flooring throughout, a cozy living room with a wood-burning fireplace and forced air insert, and a spacious kitchen with ceramic tile countertops and ample workspace. The main level includes a primary suite with a jetted tub and separate shower, along with a guest bedroom for added convenience. Enjoy the outdoors from the covered front and rear porches or relax on the brick patio overlooking the surrounding acreage. Additional features include two water heaters, an owned 500-gallon underground propane tank, and septic pumped in 2025. High-speed internet is available. Seller is in the process of dividing the land and establishing an easement—see attached plat for details. Seller will also replace roof with acceptable offer. Septic system is designed for <#BR.

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221 SETTLERS LANE Facts & Features

  • Type Single Family
  • Sq. ft. 3,020
  • Price/Sq.ft. $220
  • Lot 8.89 Acres

Details

General

Association/HOA

  • Association Fee: $300.00
  • Association Fee Frequency: Annually
  • Association: Yes
  • Condo/Coop Association: No

School Information

  • Elementary School: STONEWALL
  • Middle Or Junior School: JAMES WOOD
  • High School: MILLBROOK

Listing Information

  • Real Estate Owned: No
  • Short Sale: No

Building Information

  • New Construction: No
  • Pool: No Pool
  • Total SQFT: 3020
  • Year Built: 1989

Location/Region

  • Country: US
  • County: FREDERICK
  • County Or Parish: FREDERICK
  • In City Limits: No
  • Subdivision Name: WOODS MILL

Parking Information

  • Type of Parking: Driveway

Tax Information

  • City/Town Tax Payment Frequency: Annually
  • County Tax: 3951.00
  • County Tax Payment Frequency: Annually
  • Tax Annual Amount: $3,951.00
  • Tax Year: 2025

General Information

  • Inclusions: HVAC's sold as is
  • Property Type: Residential
  • School District Name: FREDERICK COUNTY PUBLIC SCHOOLS
  • Senior Community: No
  • Special Listing Conditions: Standard
  • Vacation Rental: No
  • Zoning: RA

Interior

Building Information

  • Cooling Fuel: Electric
  • Heating Fuel: Propane - Owned

Parking Information

  • Garage: No

Beds/Baths

  • Bathrooms Full: 3
  • Bathrooms Full Main Level: 2
  • Bathrooms Total: 3
  • Bedrooms Total: 4

Building Exterior/Construction

  • Structure Type: Detached
  • Wall & Ceiling Types: 9'+ Ceilings,Vaulted Ceilings

Building Interior

  • Above Grade Finished Area: 3020
  • Above Grade Finished Area Source: Estimated
  • Above Grade Finished Area Units: Square Feet
  • Below Grade Finished Area: 0
  • Below Grade Finished Area Source: Assessor
  • Below Grade Finished Area Units: Square Feet
  • Central Air: Yes
  • Hot Water: Electric

General Information

  • Accessibility Features: None
  • Appliances: Dryer, Washer, Dishwasher, Refrigerator, Stove
  • Basement: No
  • Cooling: Central A/C
  • Fireplace Features: Wood
  • Fireplace: Yes
  • Fireplaces Total: 1
  • Foundation Details: Crawl Space
  • Levels: 2
  • Living Area: 3020
  • Living Area Source: Estimated
  • Main Level Bathrooms: 2.00
  • Main Level Bedrooms: 2

Room Information

  • Room List: Living Room,Dining Room,Primary Bedroom,Bedroom 2,Bedroom 3,Bedroom 4,Kitchen,Den,Foyer,Laundry,Recreation Room,Primary Bathroom,Full Bath

Exterior

Lot Information

  • Lot Size Acres: 8.89
  • Lot Size Source: Estimated
  • Lot Size Square Feet: 387248.40
  • Lot Size Units: Square Feet
  • Water Source: Well

Waterfront/View

  • Water Oriented: No
  • Water View: No
  • Waterfront: No

Building Exterior/Construction

  • Architectural Style: Contemporary
  • Construction Materials: Brick
  • Patio And Porch Features: Patio(s), Porch(es)

General Information

  • Other Structures: Above Grade,Below Grade
  • Sewer: On Site Septic, Septic < # of BR
  • Water Access: No

Room Information

Room: Bedroom 2

  • Level: Main
  • Features: Flooring - Wood

Room: Den

  • Level: Main
  • Features: Flooring - Wood

Room: Dining Room

  • Level: Main
  • Features: Flooring - Wood

Room: Foyer

  • Level: Main
  • Features: Flooring - Tile/Brick

Room: Full Bath

  • Level: Main
  • Features: Flooring - Tile/Brick

Room: Kitchen

  • Level: Main
  • Features: Flooring - Tile/Brick,Countertop(s) - Ceramic

Room: Laundry

  • Level: Main
  • Features: Flooring - Tile/Brick

Room: Living Room

  • Level: Main
  • Features: Flooring - Wood,Wood Stove,Fireplace - Wood Burning

Room: Primary Bathroom

  • Level: Main
  • Features: Flooring - Tile/Brick

Room: Primary Bedroom

  • Level: Main
  • Features: Flooring - Wood

Room: Recreation Room

  • Level: Main
  • Features: Flooring - Tile/Brick

Room: Bedroom 3

  • Level: Upper 1
  • Features: Flooring - Wood

Room: Bedroom 4

  • Level: Upper 1
  • Features: Flooring - Wood

Room: Full Bath

  • Level: Upper 1
  • Features: Flooring - Tile/Brick

Find, Buy & Move into Your Home with Us.

Instead of having a mortgage team here, an insurance agent there, a REALTOR® down the street, an inspector and a moving company across town, you have one team with one goal and one focus: you. Ask for “All-Inclusive” Buying.

Enjoy the sense of confidence knowing your Long & Foster full team can handle it all. Your agent is supported by a team of specialists in Mortgage, Insurance, Title, Inspection, Moving and Property Management who are there to guide you every step of the way. They’ll make sure things run smoothly, closing happens on time, and you arrive at your dream home according to plan.

Accolades:
98 %
Customer
Satisfaction
4.8

311 Reviews
Top Services:
  • Buying
  • Selling
  • Rental Properties
  • Investment Properties
  • Luxury Properties
Key Advantages:
  • Be your guide with expert knowledge of your area
  • Help find your home and offer objective information and opinions
  • Stand in your corner during negotiations
  • Assist with paperwork and details to get you to closing
  • Connect you to vendors if work is needed

Our mortgage affiliate, Prosperity Home Mortgage, will get you approved for a mortgage before shopping for a home. This will make your offer stand out and give you an edge in a highly competitive market. If you are already pre-approved, no problem, we can take a “second look” and try to get you even better terms.

Accolades:
97 %
Customer
Satisfaction
5.0

3,803 Reviews
Top Services:
  • Fixed & adjustable rate mortgages
  • FHA and VA mortgage programs
  • Rapid Close™
  • USDA Loans
Key Advantages:
  • Full suite of mortgage programs to meet your specific needs
  • Friendly professionals guide through every step of the loan process
  • We help you find and lock in on the market’s best interest rate
  • We work closely with your title company to ensure accurate closing

We help you make good decisions when you’re buying a home and learn how to be a better homeowner after you move-in. We streamline your inspection journey, provide thorough and accurate results, and get you to closing peacefully. Schedule a confirmed inspection online 24x7.

Accolades:
97 %
Customer
Satisfaction
5.0

240 Reviews
Top Services:
  • Home Inspection
  • Radon Gas
  • Termite Inspection
  • Test Indoor Air Quality
  • Pay at Closing*
Key Advantages:
  • Scheduling online 24x7 confirm a convenient date & time for you & your agents
  • High-tech journey makes it easy to sign agreement, make payment, view reports
  • One stop shop for home, radon & termite
  • Knowledgeable, friendly inspectors teach you about your home and property
  • Custom homeowner’s manual teaches you how to maintain your home

* A Long & Foster exclusive benefit. If you work with RGS Title or Sage Title Group and Insight Inspections, your can enjoy a $55 discount and the flexibility to pay for the inspection at settlement. This new approach combines the best of both the title and inspection worlds, creating a seamless and integrated journey.

We carefully examine your new home’s title, get your legal documents in order, and safeguard your investment. With a team of specialists who expect the unexpected, you can anticipate an on-time, worry-free closing.

Accolades:
97 %
Customer
Satisfaction
4.9

Reviews
Top Services:
  • Title Search & Status
  • Title Insurance
  • Document Prep
  • Closing Coordination
  • Filing & Recording
Key Advantages:
  • Ensure that there are no unresolved claims or liens on your home’s title
  • Help secure insurance against unexpected title challenges
  • Prepare closing paperwork to ensure documents are in compliance with laws
  • Coordinate with all parties to schedule final closing
  • File & record your paperwork with the courthouse

We help you secure the proper coverage at a competitive price to protect your largest investment — your home. Our insurance agents work closely with you to understand your risk exposures, educate you on your options, protect you from the unexpected, and develop insurance strategies to offer ongoing service to address your ever-changing insurance needs.

Accolades:
98 %
Customer
Satisfaction
4.9

77 Reviews
Top Services:
  • Home Insurance
  • Auto Insurance
  • Umbrella Insurance
  • Motorcycle, Boat, RV and more
Key Advantages:
  • Specialize in real estate and bundle other policies for savings
  • Work with 10+ leading carriers to secure the best coverage at the best cost
  • Save you time by shopping for you
  • We’re independent - we find and present you with the best offers and let you decide
  • Guide you with ongoing service and support

We ensure a smooth, stress-free move so you can start enjoying your new home as soon as you move in. Whether you’re headed down the street or across the country, our moving specialists will make sure you don’t have to lift a finger.

Accolades:
98 %
Customer
Satisfaction
4.6

953 Reviews
Top Services:
  • Packing & Unpacking
  • Decluttering
  • Storage
  • Local or Long Distance
  • International Moving
Key Advantages:
  • 30-minute guided virtual survey with next business day Guaranteed quote
  • Best Price Guarantee*†
  • 2-months free storage*‡
  • $20,000 full value protection*
  • Personal move concierge - from first call until last box is delivered

* Long & Foster Customers Only. † Examples of qualified movers: any major van line (United, Mayflower, Atlas, North American, etc) for local: JK, Hilldrup, Town and Country, Able, Interstate, All my Sons, Olympia, Gentle Giant. ‡ 2 Months Free Storage Program: If you’re moving from DE, MD, DC or VA and to DE, MD, DC or VA, we offer 2 months of free storage for all of the contents of your home. There is no charge for the storage of the items for 2 months. There is a cost for pickup of the items to go to storage and for delivery of items from storage to the new home.

We are the next generation of property management. With our streamlined processes, best-in-class service, and transparent financial updates, we help investors achieve financial success through real estate.

Accolades:
98 %
Customer
Satisfaction
4.8

120 Reviews
Top Services:
  • Property Surveys
  • Marketing
  • Tenant Screening
  • Maintenance
  • Lease Enforcement
Key Advantages:
  • We’ll guide and help identify the right properties to invest in
  • Use of smart devices, predictive data and analytics to help maintain properties
  • Get more free time when we handle billing and payments
  • We continuously monitor state and federal landlord/tenant laws
  • Become more knowledgeable with quarterly portfolio reviews & guidance

  • Enjoy the sense of confidence knowing your Long & Foster full team can handle it all. Your agent is supported by a team of specialists in Mortgage, Insurance, Title, Inspection, Moving and Property Management who are there to guide you every step of the way. They’ll make sure things run smoothly, closing happens on time, and you arrive at your dream home according to plan.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.8

    311 Reviews
    Top Services:
    • Buying
    • Selling
    • Rental Properties
    • Investment Properties
    • Luxury Properties
    Key Advantages:
    • Be your guide with expert knowledge of your area
    • Help find your home and offer objective information and opinions
    • Stand in your corner during negotiations
    • Assist with paperwork and details to get you to closing
    • Connect you to vendors if work is needed

  • Our mortgage affiliate, Prosperity Home Mortgage, will get you approved for a mortgage before shopping for a home. This will make your offer stand out and give you an edge in a highly competitive market. If you are already pre-approved, no problem, we can take a “second look” and try to get you even better terms.

    Accolades:
    97 %
    Customer
    Satisfaction
    5.0

    3,803 Reviews
    Top Services:
    • Fixed & adjustable rate mortgages
    • FHA and VA mortgage programs
    • Rapid Close™
    • USDA Loans
    Key Advantages:
    • Full suite of mortgage programs to meet your specific needs
    • Friendly professionals guide through every step of the loan process
    • We help you find and lock in on the market’s best interest rate
    • We work closely with your title company to ensure accurate closing

  • We carefully examine your new home’s title, get your legal documents in order, and safeguard your investment. With a team of specialists who expect the unexpected, you can anticipate an on-time, worry-free closing.

    Accolades:
    97 %
    Customer
    Satisfaction
    4.9

    Reviews
    Top Services:
    • Title Search & Status
    • Title Insurance
    • Document Prep
    • Closing Coordination
    • Filing & Recording
    Key Advantages:
    • Ensure that there are no unresolved claims or liens on your home’s title
    • Help secure insurance against unexpected title challenges
    • Prepare closing paperwork to ensure documents are in compliance with laws
    • Coordinate with all parties to schedule final closing
    • File & record your paperwork with the courthouse

  • We help you secure the proper coverage at a competitive price to protect your largest investment — your home. Our insurance agents work closely with you to understand your risk exposures, educate you on your options, protect you from the unexpected, and develop insurance strategies to offer ongoing service to address your ever-changing insurance needs.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.9

    77 Reviews
    Top Services:
    • Home Insurance
    • Auto Insurance
    • Umbrella Insurance
    • Motorcycle, Boat, RV and more
    Key Advantages:
    • Specialize in real estate and bundle other policies for savings
    • Work with 10+ leading carriers to secure the best coverage at the best cost
    • Save you time by shopping for you
    • We’re independent - we find and present you with the best offers and let you decide
    • Guide you with ongoing service and support

  • We help you make good decisions when you’re buying a home and learn how to be a better homeowner after you move-in. We streamline your inspection journey, provide thorough and accurate results, and get you to closing peacefully. Schedule a confirmed inspection online 24x7.

    Accolades:
    97 %
    Customer
    Satisfaction
    5.0

    240 Reviews
    Top Services:
    • Home Inspection
    • Radon Gas
    • Termite Inspection
    • Test Indoor Air Quality
    • Pay at Closing*
    Key Advantages:
    • Scheduling online 24x7 confirm a convenient date & time for you & your agents
    • High-tech journey makes it easy to sign agreement, make payment, view reports
    • One stop shop for home, radon & termite
    • Knowledgeable, friendly inspectors teach you about your home and property
    • Custom homeowner’s manual teaches you how to maintain your home

    * A Long & Foster exclusive benefit. If you work with RGS Title or Sage Title Group and Insight Inspections, your can enjoy a $55 discount and the flexibility to pay for the inspection at settlement. This new approach combines the best of both the title and inspection worlds, creating a seamless and integrated journey.

  • We ensure a smooth, stress-free move so you can start enjoying your new home as soon as you move in. Whether you’re headed down the street or across the country, our moving specialists will make sure you don’t have to lift a finger.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.6

    953 Reviews
    Top Services:
    • Packing & Unpacking
    • Decluttering
    • Storage
    • Local or Long Distance
    • International Moving
    Key Advantages:
    • 30-minute guided virtual survey with next business day Guaranteed quote
    • Best Price Guarantee*†
    • 2-months free storage*‡
    • $20,000 full value protection*
    • Personal move concierge - from first call until last box is delivered

    * Long & Foster Customers Only. † Examples of qualified movers: any major van line (United, Mayflower, Atlas, North American, etc) for local: JK, Hilldrup, Town and Country, Able, Interstate, All my Sons, Olympia, Gentle Giant. ‡ 2 Months Free Storage Program: If you’re moving from DE, MD, DC or VA and to DE, MD, DC or VA, we offer 2 months of free storage for all of the contents of your home. There is no charge for the storage of the items for 2 months. There is a cost for pickup of the items to go to storage and for delivery of items from storage to the new home.

  • We are the next generation of property management. With our streamlined processes, best-in-class service, and transparent financial updates, we help investors achieve financial success through real estate.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.8

    120 Reviews
    Top Services:
    • Property Surveys
    • Marketing
    • Tenant Screening
    • Maintenance
    • Lease Enforcement
    Key Advantages:
    • We’ll guide and help identify the right properties to invest in
    • Use of smart devices, predictive data and analytics to help maintain properties
    • Get more free time when we handle billing and payments
    • We continuously monitor state and federal landlord/tenant laws
    • Become more knowledgeable with quarterly portfolio reviews & guidance

221 SETTLERS LANE Neighborhood

Community

22656 (STEPHENSON) Demographics

42
Median Age
479
Population Density (per sq. mile)
38%
College Educated
$100,046
Estimated Median Income
1,375
Estimated Total Home Owners
96
Estimated Total Renters
93% / 7%
Estimated Owner / Renter Divide
3
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

221 SETTLERS LANE Monthly Cost

$
$ %
%
$
$
* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

221 SETTLERS LANE Market Data

Based on the last 30 days in this zip code

$503,342
Average List Price
$190
Average Price per Square Foot
8
Properties Sold
90
Average Days on Market
44
Properties for Sale
Calculations provided by Reliance Network

221 SETTLERS LANE History

Date Event Value Agent
4/28/2026Source: BRIGHT MLS Status Change
ACTIVE
4/23/2026Source: BRIGHT MLS Added to Database
April 23, 2026