Stafford County property record for 109 E Chatham St, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 732 sqft · built 1900 |
| Lot Size | 0.159 acres (6,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Jul 2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54F-8B-27 |
| Primary APN | 54F-8B-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 732 sqft Living Area |
| Gross Area | 1,464 sqft |
| 1st Floor Area | 732 sqft |
| Basement Area | 732 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bungalow |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,939 sqft (0.159 acres) |
| Lot Dimensions | 190 ft deep x 190 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 251 sqft |
| Shed | 1 Shed |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 33779 |
|---|---|
| Street Address | 109 E CHATHAM ST |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B2 |
| Legal Description | LOT 27 BL B EAST CHATHAM HEIGHTS |
| Legal Subdivision | EAST CHATHAM HEIGHTS |
| Legal Block | B |
| Legal Lot Number | 27 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 10406 |
109 E Chatham St is owned and occupied by an individual who bought it in July 2026.
Source: Stafford County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 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 |
|---|---|
| Jul 9, 2026 | Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Dec 22, 2025 | Deed, Transfer RIO 17 MIDLOTHIAN LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2026 · Amount on File |
| Deed Sale | Jul 9, 2026 · Amount on File |
| Prior Sale | Dec 22, 2025 · Amount on File |
| Deed Document Number | 202610212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Jul 9, 2026 |
| Property Address | 109 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Document Number | 0000010212 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202610212 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35,350.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Document Number | 0000010213, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 202610213 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Dec 22, 2025 |
| Property Address | 109 E CHATHAM ST, FREDERICKSBURG, VA 22405-2501 |
| Document Number | 0250017040 |
| Map Reference | MB 27 PG 350 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 250017040 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | GUARANTY TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $68.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8408 W HILDY CT, SPOTSYLVANIA, VA 22553-3623 |
| Document Number | 0250017041 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 250017041 |
| Name | RIO 17 MIDLOTHIAN LLC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 6 Months |
| Due | Jun 19, 2026 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $198,100 Land $90,000 Building $108,100 | $198,100 Land $90,000 Building $108,100 |
| 2023 | $170,900 Land $85,000 Building $85,900 | $170,900 Land $85,000 Building $85,900 |
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 109 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 109 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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