1 Charter Gate Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 1 Charter Gate Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,296 sqft · built 2009
Lot Size	0.337 acres (14,702 sqft)
Owner	Owner Name on Record
Last Sale	$273,880 (Dec 2009)
Tax Bill	$4,107 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44R-13-944`

Property Details

APN / Parcel Number

Primary APN	`44R-13-944`
Alternative APNs	`044R 13 944` `48764`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,296 sqft Living Area
Basement Area	1,148 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,702 sqft (0.337 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	48764
Old Parcel Number	044R 13 944
Street Address	1 CHARTER GATE DR
City	FREDERICKSBURG
State	VA
Zip	22406-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 944 SEC 13 14699 SQFT STAFFORD LAKES VILLAGE
Legal Subdivision	STAFFORD LAKES VILLAGE
Legal Lot Number	944
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3009
Census Tract	10307

Owner

Source: Stafford County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	1 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 20, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2009 · Amount on Record
Deed Sale	Dec 14, 2009 · Amount on Record
Deed Document Number	90020869
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	1 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220013995
Date	Jun 30, 2022
Instrument	220013995

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	1 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210041461
Date	Dec 20, 2021
Instrument	210041461

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	217 Months
Due	Jan 1, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,107.00 (+9.11%)	$438,500 (+10.07%) Land $130,000 Building $308,500	$438,500 (+10.07%) Land $130,000 Building $308,500
2023	$3,764.00 (+20.76%)	$398,400 Land $120,000 Building $278,400	$398,400 Land $120,000 Building $278,400
2021	$3,117.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STAFFORD COUNTY UTILITIES serves 123,684 people · EPA ID VA6179100
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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