Stafford County property record for 104 E Chatham St, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1952 |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Apr 2011) |
| Tax Bill | $2,130 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Jan 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54F-8A-16 |
| Primary APN | 54F-8A-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,480 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Type | Detached |
| Porch | Enclosed Porch |
| Porch Area | 50 sqft |
| Fence | Fence |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 33768 |
|---|---|
| Old Parcel Number | 054F 8A 16 |
| Street Address | 104 E CHATHAM ST |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1- SUBURB RES |
| Legal Description | PT LOT 15 BL A (INCL 2.3 FT OF LOT 16) EAST CHATHAM HEIGHTS |
| Legal Subdivision | EAST CHATHAM HEIGHTS |
| Legal Lot Number | 15 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 10406 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 104 E CHATHAM ST, FREDERICKSBURG, VA 22405-2502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Jan 13, 2023 | Intrafamily Transfer, Transfer |
| Jul 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2011 · Amount on Record |
| Deed Sale | Apr 19, 2011 · Amount on Record |
| Prior Sale | Apr 19, 2011 · Amount on Record |
| Deed Document Number | 110007142 |
| Last Transfer Date | Jan 13, 2023 |
| Transfer Doc | 0230000463 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 104 E CHATHAM ST, FREDERICKSBURG, VA 22405-2502 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210019960 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 210019960 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2028 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Jan 13, 2023 |
| Property Address | 104 E CHATHAM ST, FREDERICKSBURG, VA 22405-2502 |
| Document Number | 0230000463 |
| Instrument Date | Jan 7, 2023 |
| Instrument | 230000463 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 E CHATHAM ST, FREDERICKSBURG, VA 22405-2502 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 104 E CHATHAM ST, FREDERICKSBURG, VA 22405-2502 |
| Document Number | 190012474 |
| Instrument Date | Jul 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 104 CHATHAM ST MACHIPONGO VA 23405, MACHIPONGO, VA 23405 |
| Document Number | 190012474 |
|---|---|
| Date | Jul 30, 2019 |
| Instrument | 12474 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Stafford County assessment roll, as of January 1, 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 | $2,130.00 (+14.89%) | $227,400 (+15.9%) Land $90,000 Building $137,400 | $227,400 (+15.9%) Land $90,000 Building $137,400 |
| 2023 | $1,854.00 (+23.77%) | $196,200 Land $85,000 Building $111,200 | $196,200 Land $85,000 Building $111,200 |
| 2021 | $1,498.00 |
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 | 14 (1989–2018) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | Jun 2018 · river or lake flooding |
| Claims by Event |
|
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 | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Cox Communications Cable | 2,000 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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