Stafford County property record for 18 Sutter Dr, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,414 sqft · built 2020 |
| Lot Size | 0.346 acres (15,102 sqft) |
| Owner | Individual Name on File |
| Last Sale | $388,860 (Mar 2020) |
| Tax Bill | $4,654 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54TT-13 |
| Primary APN | 54TT-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,414 sqft Living Area |
| Basement Area | 1,057 sqft |
| Finished Basement | 428 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,102 sqft (0.346 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 46774 |
|---|---|
| Old Parcel Number | 054TT 13 |
| Street Address | 18 SUTTER DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1- SUBURB RES |
| Legal Description | LOT 13 .34666 AC THE OAKS OF HIGHLAND HOMES |
| Legal Subdivision | THE OAKS OF HIGHLAND HOMES |
| Legal Lot Number | 13 34666 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | FALMOUTH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 10404 |
Source: Stafford County records · APN 54TT-13
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 | Individual Name on File |
|---|---|
| Mailing Address | 18 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIRST EQUITY MTG INC |
| Mar 30, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIRST EQUITY MTG INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 30, 2020 · Amount on Record |
| Deed Sale | Mar 30, 2020 · Amount on Record |
| Prior Sale | Aug 26, 2019 · Amount on Record |
| Deed Document Number | 200006749 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 18 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 200024652 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 18 SUTTER DR FREDERICKSBURG VA 224052184, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 200024652 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 24652 |
| Name | FIRST EQUITY MTG INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Mar 30, 2020 |
| Property Address | 18 SUTTER DR, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 200006749 |
| Instrument Date | Mar 24, 2020 |
| Instrument | 6749 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $389.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 SUTTER DR FREDERICKSBURG VA 224052184, FREDERICKSBURG, VA 22405-2184 |
| Document Number | 200006750 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 6750 |
| Name | FIRST EQUITY MTG INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2050 |
| 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 | $4,654.00 (+24.01%) | $496,900 (+25.1%) Land $150,000 Building $346,900 | $496,900 (+25.1%) Land $150,000 Building $346,900 |
| 2023 | $3,753.00 (+12.8%) | $397,200 Land $140,000 Building $257,200 | $397,200 Land $140,000 Building $257,200 |
| 2021 | $3,327.00 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 as of December 31, 2025 · 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 |
Based on FCC filings for 270 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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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