15 Point Bluff St, Fredericksburg, VA 22406 Property Records

Stafford County property record for 15 Point Bluff St, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,502 sqft · built 2018
Lot Size	0.132 acres (5,758 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Apr 2026)
Tax Bill	$3,569 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44CC-3A2-186`

Property Details

APN / Parcel Number

Primary APN	`44CC-3A2-186`
Alternative APN	`53399`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,502 sqft Living Area
Gross Area	1,942 sqft
1st Floor Area	1,502 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,758 sqft (0.132 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	53399
Street Address	15 POINT BLUFF ST
City	FREDERICKSBURG
State	VA
Zip	22406-5468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RBC
Legal Description	LOT 186 SEC 3A-2 .1322 AC CELEBRATE VIRGINIA NORTH PM140000075
Legal Subdivision	CELEBRATE VIRGINIA NORTH SEC 3A
Legal Block	2
Legal Lot Number	186
Jurisdiction	STAFFORD VA
Township / Civil Division	GEORGE WASHINGTON
Census Block Group	2
Census Block	2032
Census Tract	10307

Owner

Source: Stafford County records, as of April 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 POINT BLUFF ST, FREDERICKSBURG, VA 22406-5468
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 3, 2022	Intrafamily Transfer, Transfer
Mar 6, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage MCLEAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	20264842
Prior Transfer Date	Sep 22, 2022
Prior Transfer Doc	0000019532
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Apr 8, 2026
Property Address	15 POINT BLUFF ST, FREDERICKSBURG, VA 22406-5468
Document Number	0000004842
Instrument Date	Apr 7, 2026
Instrument	2026.4842
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	WESTCOR LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,965.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 POINT BLUFF ST, FREDERICKSBURG, VA 22406-5468

Mortgage

Document Number	0000004843,
Date	Apr 8, 2026
Instrument	2026.4843

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STAFFORD VA
Recording Date	Oct 3, 2022
Property Address	15 POINT BLUFF ST, FREDERICKSBURG, VA 22406-5468
Document Number	0220019532
Instrument Date	Sep 22, 2022
Instrument	220019532
Transaction Type	Transfer
Record Updated	Oct 19, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 POINT BLUFF ST, FREDERICKSBURG, VA 22406-5468

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	STAFFORD VA
Recording Date	Mar 6, 2018
Property Address	15 POINT BLUFF ST, FREDERICKSBURG, VA 22406-5468
Document Number	180003502
Instrument Date	Mar 5, 2018
Instrument	3502
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 28, 2020
Title Company	MARTIN TITLE AND SETTLEMENT SERVICES, MARTIN TITLE & SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$301.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	15 POINT BLUFF ST FREDERICKSBURG VA 22406, FREDERICKSBURG, VA 22406

Mortgage

Document Number	180003503
Date	Mar 6, 2018
Instrument	3503

Lender

Name	MCLEAN MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 5, 2033

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Stafford County
Unified School District	Stafford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,569.00 (+3.3%)	$381,100 (+8.39%) Land $130,000 Building $251,100	$381,100 (+8.39%) Land $130,000 Building $251,100
2024	$3,455.00 (+4%)
2023	$3,322.00 (+26.75%)	$351,600 Land $120,000 Building $231,600	$351,600 Land $120,000 Building $231,600
2021	$2,621.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 401 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

May also be available: Xfinity.

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