Update:All the valves weren't bad, plumber was able to loosen all but 3 - kitchen's getting 2 new 1/4 turn ones and guest bath is getting a new one. It is covered under the home warranty, so it's too bad they couldn't all get replaced. So the valve to the outside water I was turning off was the utility room - that's the back outside water. The valve to the front outside water was in the finished part of the basement - in the ceiling, under an access panel we had to break open to get at, because the panel wouldn't push or slide open. Will eventually need a little door built for that similar to another place in the finished basement where there's a door to shut off the main water (also can shut off the main water through the utility room - a little off this house has 2 places for it).
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