188 Eley Rd, Fredericksburg, VA 22406 Property Records

Stafford County property record for 188 Eley Rd, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,544 sqft · built 1976
Lot Size	1.69 acres (73,773 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jul 2016)
Tax Bill	$4,124 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-5H`

Property Details

APN / Parcel Number

Primary APN	`34-5H`
Alternative APNs	`034 5H` `22373`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,544 sqft Living Area
1st Floor Area	2,544 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	73,773 sqft (1.69 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	281 sqft
Deck Area	24 sqft
Patio Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	22373
Street Address	188 ELEY RD
City	FREDERICKSBURG
State	VA
Zip	22406-4723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	PT MARSH RD 1.6936 AC PARCEL 4
Legal Block	1
Legal Lot Number	4
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	1
Census Block	1002
Census Tract	10308

Owner

Source: Stafford County records, as of September 4, 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	188 ELEY RD, FREDERICKSBURG, VA 22406-4723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit EMPEOPLE CREDIT UNION
Jul 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DEERE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2016 · Amount on Record
Deed Sale	Jul 13, 2016 · Amount on Record
Prior Sale	Apr 14, 2008 · Amount on Record
Deed Document Number	201612077
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Recording Date	Aug 24, 2026
Property Address	188 ELEY RD, FREDERICKSBURG, VA 22406-4723
Document Number	0000012621
Instrument Date	Aug 12, 2026
Instrument	202612621
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 ELEY RD, FREDERICKSBURG, VA 22406-4723

Mortgage

Document Number	0000012621,
Date	Aug 24, 2026
Instrument	202612621

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	188 ELEY RD, FREDERICKSBURG, VA 22406-4723
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240004634
Date	Apr 29, 2024
Instrument	240004634

Lender

Name	EMPEOPLE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 24, 2049

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	188 ELEY RD, FREDERICKSBURG, VA 22406-4723
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220014861
Date	Jul 14, 2022
Instrument	220014861

Lender

Name	DEERE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	358 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	Annually

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	$4,124.00 (+7.51%)	$447,500 (+10.22%) Land $115,000 Building $332,500	$447,500 (+10.22%) Land $115,000 Building $332,500
2023	$3,836.00 (+39.95%)	$406,000 Land $95,000 Building $311,000	$406,000 Land $95,000 Building $311,000
2021	$2,741.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Virginia Broadband.

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