Spotsylvania County property record for 104 Roanoke St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 976 sqft · built 1986 |
| Lot Size | 0.3 acres (13,084 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $221,000 (Nov 2018) |
| Tax Bill | $2,417 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22A-26-341 |
| Primary APN | 22A-26-341 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 976 sqft Finished Area |
| Basement Area | 912 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 13,084 sqft (0.3 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | 272 sqft |
| Patio Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 104 ROANOKE ST |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-6362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - RESID |
| Legal Description | THE TIMBERS LOT 341 SEC 12 |
| Legal Subdivision | THE TIMBERS |
| Legal Lot Number | 341 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20110 |
104 Roanoke St is owned by two individuals who acquired it in September 2021.
Source: Spotsylvania County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9607 BEL GLADE ST, FAIRFAX, VA 22031-1105 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Oct 1, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Sep 23, 2021 | Intrafamily Transfer, Transfer |
| Nov 26, 2018 | Warranty Deed, Transfer · Conventional with PMI PROSPERITY HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on File |
| Deed Sale | Nov 26, 2018 · Amount on File |
| Prior Sale | Jun 14, 2005 · Amount on File |
| Deed Document Number | 201819197 |
| Last Transfer Date | Sep 28, 2021 |
| Transfer Doc | 0000029566 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 104 ROANOKE ST, FREDERICKSBURG, VA 22407-6362 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Title Company | ADVANTAGE SETTLEMENT INC |
| Name | Verified Name |
|---|
| Document Number | 0210029567 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 210029567 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Oct 1, 2021 |
| Property Address | 104 ROANOKE ST, FREDERICKSBURG, VA 22407-6362 |
| Document Number | 210029566 |
| Instrument Date | Sep 28, 2021 |
| Instrument | 210029566 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9607 BEL GLADE ST, FAIRFAX, VA 22031-1105 |
| Document Number | 0210029567 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 210029567 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 23, 2021 |
| Property Address | 104 ROANOKE ST, FREDERICKSBURG, VA 22407-6362 |
| Document Number | 210028627 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 210028627 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9607 BEL GLADE ST, FAIRFAX, VA 22031-1105 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Nov 26, 2018 |
| Property Address | 104 ROANOKE ST, FREDERICKSBURG, VA 22407-6362 |
| Document Number | 201800019197 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 19197 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $221.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2028 LORD FAIRFAX RD VIENNA VA 221823721, VIENNA, VA 22182-3721 |
| Document Number | 201800019198 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 19198 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 104 Roanoke St was $2,417.
Source: Spotsylvania County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Spotsylvania County |
| Unified School District | Spotsylvania County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,417.00 | $327,900 Land $155,000 Building $172,900 | |
| 2025 | $327,900 Land $155,000 Building $172,900 | ||
| 2023 | $1,548.00 | $200,600 Land $95,000 Building $105,600 | $200,600 Land $95,000 Building $105,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Roanoke St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2003–2012) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 2012 · rainfall accumulation |
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 risk around 104 Roanoke St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people · EPA ID VA6177300 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2023–2025) 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 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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