Stafford County property record for 107 E Chatham St, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 660 sqft · built 1930 |
| Lot Size | 0.123 acres (5,384 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,300,000 (Feb 1998) |
| Tax Bill | $1,758 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Jun 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54F-8B-26 |
| Primary APN | 54F-8B-26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 660 sqft Living Area |
| Basement Area | 360 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Architectural Style | Bungalow |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,384 sqft (0.123 acres) |
| Porch | Enclosed Porch |
| Porch Area | 252 sqft |
| Shed | 1 Shed |
| Heating Fuel | Oil |
|---|---|
| Sewer | Connected |
| Account Number | 33778 |
|---|---|
| Old Parcel Number | 054F 8B 26 |
| Street Address | 107 E CHATHAM ST |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B2- URBAN COMM |
| Legal Description | PT LOT 26 BL B 5382 SQFT EAST CHATHAM HEIGHTS |
| Legal Subdivision | EAST CHATHAM HEIGHTS |
| Legal Block | B |
| Legal Lot Number | 26 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 10406 |
107 E Chatham St is owned and occupied by an individual who bought it in February 1998.
Source: Stafford County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 107 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Aug 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CREDIT UNION INC |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CREDIT UNION INC |
| Jun 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 1998 · Amount on File |
| Deed Sale | Feb 6, 1998 · Amount on File |
| Deed Document Number | 0098001954 |
| Deed Book / Page | 9800 / 1954 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 107 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 2018180013293 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | 180013293 |
| Name | VIRGINIA CREDIT UNION INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 107 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019190010099 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | 190010099 |
| Name | VIRGINIA CREDIT UNION INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 107 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Document Number | 190010166 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 107 E E CHATHAM ST FREDERICKSBURG VA 22405, FREDERICKSBURG, VA 22405 |
| Document Number | 190010166 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 10166 |
| Name | VIRGINIA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 107 E Chatham St was $1,758.
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 | $1,758.00 | $187,700 Land $90,000 Building $97,700 | $187,700 Land $90,000 Building $97,700 |
| 2023 | $1,531.00 | $162,100 Land $85,000 Building $77,100 | $162,100 Land $85,000 Building $77,100 |
| 2021 | $1,058.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 107 E Chatham St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1989.
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.
The area around 107 E Chatham St has no burnable land within ember reach, so its wildfire risk is not rated.
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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