Stafford County property record for 10 Cardinal Crest Dr, Fredericksburg, VA 22406
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,946 sqft · built 2020 |
| Lot Size | 6.88 acres (299,779 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $960,000 (Jun 2026) |
| Tax Bill | $6,781 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage May 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-36A |
| Primary APN | 27-36A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,946 sqft Living Area |
| Gross Area | 5,048 sqft |
| Basement Area | 1,335 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 299,779 sqft (6.88 acres) |
| View / Lot | Homesite |
| Garage Type | Attached |
| Garage Area | 767 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 105 sqft |
| Deck Area | 278 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 16410 |
|---|---|
| Street Address | 10 CARDINAL CREST DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22406-4347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | POTOMAC RUN 6.882 AC |
| Legal Subdivision | POTOMAC RUN |
| Legal Block | 1 |
| Legal Lot Number | 36A |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | HARTWOOD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10305 |
Source: Stafford County records, as of June 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10 CARDINAL CREST DR, FREDERICKSBURG, VA 22406-4347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| May 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jun 1, 2026 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 3, 2017 | Grant Deed, Transfer · Line of Credit FARM CREDIT SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on Record |
| Deed Sale | Jun 1, 2026 · Amount on Record |
| Prior Sale | Oct 3, 2017 · Amount on Record |
| Deed Document Number | 20267784 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 10 CARDINAL CREST DR, FREDERICKSBURG, VA 22406-4347 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0230011115 |
|---|---|
| Date | Sep 8, 2023 |
| Instrument | 230011115 |
| Name | DISCOVER BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 7, 2053 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 10 CARDINAL CREST DR, FREDERICKSBURG, VA 22406-4347 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0250006719 |
|---|---|
| Date | May 29, 2025 |
| Instrument | 250006719 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Jun 1, 2026 |
| Property Address | 10 CARDINAL CREST DR, FREDERICKSBURG, VA 22406-4347 |
| Document Number | 0000007784 |
| Instrument Date | May 29, 2026 |
| Instrument | 20267784 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $96,960.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10 CARDINAL CREST DR, FREDERICKSBURG, VA 22406-4347 |
| Document Number | 0000007785, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20267785 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Oct 3, 2017 |
| Property Address | 10 CARDINAL CREST DR, FREDERICKSBURG, VA 22406-4347 |
| Document Number | 170017948 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 17948 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2017 |
| Title Company | MBH SETTLEMENT GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9285 ALVYN LAKE CIR BRISTOW VA 201366149, BRISTOW, VA 20136-6149 |
| Document Number | 170017949 |
|---|---|
| Date | Oct 3, 2017 |
| Instrument | 17949 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | WARRENTON, VA 20188 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Stafford County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Stafford County |
| Unified School District | Stafford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,781.00 (+3.46%) | $748,300 (+26.98%) Land $155,000 Building $593,300 | $748,300 (+26.98%) Land $155,000 Building $593,300 |
| 2024 | $6,554.00 (+17.71%) | ||
| 2023 | $5,568.00 (+19.72%) | $589,300 Land $135,000 Building $454,300 | $589,300 Land $135,000 Building $454,300 |
| 2021 | $4,651.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2008 · tidal / storm surge |
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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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