Stafford County property record for 16 Sutter Dr, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,378 sqft · built 2019 |
| Lot Size | 0.348 acres (15,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $358,905 (Apr 2019) |
| Tax Bill | $4,763 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54TT-12 |
| Primary APN | 54TT-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,378 sqft Living Area |
| Basement Area | 1,021 sqft |
| Finished Basement | 524 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,198 sqft (0.348 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Deck Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 46773 |
|---|---|
| Old Parcel Number | 054TT 12 |
| Street Address | 16 SUTTER DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 .34893 AC THE OAKS OF HIGHLAND HOMES |
| Legal Subdivision | THE OAKS OF HIGHLAND HOMES |
| Legal Lot Number | 12 34893 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | FALMOUTH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 10404 |
Source: Stafford County records · APN 54TT-12
Assessment roll updated January 1, 2025 · Last verified November 2025
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 File |
|---|---|
| Mailing Address | 16 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Nov 27, 2019 | Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG |
| Apr 01, 2019 | Grant Deed, Subdivision Related Transfer · VA Mortgage FAIRWAY INDEPENDENCE MTG CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 2019 · Amount on Record |
| Deed Sale | Apr 01, 2019 · Amount on Record |
| Prior Sale | Nov 26, 2018 · Amount on Record |
| Deed Document Number | 190004525 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 16 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210006096 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 210006096 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 16 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 190022021 |
| Instrument Date | Nov 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 16 SUTTER DR FREDERICKSBURG VA 224052184, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 190022021 |
|---|---|
| Date | Dec 03, 2019 |
| Instrument | 22021 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Apr 01, 2019 |
| Property Address | 16 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 190004525 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 4525 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $358.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 SUTTER DR FREDERICKSBURG VA 224052184, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 190004526 |
|---|---|
| Date | Apr 01, 2019 |
| Instrument | 4526 |
| Name | FAIRWAY INDEPENDENCE MTG CORP |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Stafford County records · Assessment roll updated January 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Stafford County |
| Unified School District | Stafford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,763.00 (+24.23%) | $508,500 (+25.31%) Land $150,000 Building $358,500 | $508,500 (+25.31%) Land $150,000 Building $358,500 |
| 2023 | $3,834.00 (+13.6%) | $405,800 Land $140,000 Building $265,800 | $405,800 Land $140,000 Building $265,800 |
| 2021 | $3,375.00 |
Source: FEMA National Flood Hazard Layer, Stafford County (51179C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511790104044, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 | 7 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 270 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | STAFFORD COUNTY UTILITIES serves 123,684 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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