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326 Morlyn Dr, Stephenson, VA, 22656

5beds
4baths
4,498sqft
$619,900
$138price/sqft
$3,953/moest. monthly cost
$158,120/yrincome needed

About This Home

"Meet You At Morlyn" If you're looking for a lot of space you found it! This 5-bedroom, 3 1/2-bathroom colonial style home is waiting for you! Huge kitchen with stainless steel appliances, island with a cooktop stove and a double oven. If you love to cook and entertain you won't want to miss this home. Large family room with gas fireplace, eating area bump out off of the kitchen, living room, formal dining room, half bath and office all on the first floor as well. Upstairs you'll find the primary bedroom with a walk-in-closet and private bathroom with a soaking tub, shower and two separate vanities. 4 additional bedrooms, laundry room and full hallway bathroom on the upper level. Finished walk-out basement with a large rec room area, full bathroom, utility room for storage and two additional rooms for whatever you need the space for. In the backyard you'll find a large deck with a screened in area as well as patios underneath it. This is the place to entertain this summer! Fenced in backyard, 2 car garage and mature landscaping. In 2017 one HVAC was replaced, roof was replaced with a 50-year shingle that has a lifetime warranty and washing machine was replaced. In 2019 a new water softener was installed, and seller bought a new refrigerator. In 2020 hose bibs in the front were replaced (Frost Free Fittings). Gutter guards were added in 2023. In 2025 a new dishwasher was installed. Dryer vent cleaned in April 2026. Quick access to Rt. 7, I-81, shops, restaurants and more!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

1/10
3/10
James Wood Middle SchoolGrades 6-84.7 mi
3/10
Millbrook High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 1656

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,332
  • Finished area above ground: 3,166

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,822
  • Total interior livable area: 4,498 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 55L1135
  • Zoning: RP
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 0.30 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,134$37,608
Home Insurance *$125$1,500
Property Taxes $261$3,132
Electricity $433$5,199
Total$3,953$47,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,531/yr
40% on housing$118,590/yr
45% on housing$105,413/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 22656$187
Frederick County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 22656$206
Frederick County$208

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-06Listed for sale$659,900
2006-12-21Sold$525,000

For Sale by Agent

AgentMatt Kilmer
BrokerageSamson Properties

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