Stafford County property record for 20 Emerald Dr, Fredericksburg, VA 22406
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,850 sqft · built 1997 |
| Lot Size | 0.165 acres (7,209 sqft) |
| Owner | Owner Name on File |
| Last Sale | $369,900 (Mar 2005) |
| Tax Bill | $3,810 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 44R-1A-120 |
| Primary APN | 44R-1A-120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,850 sqft Living Area |
| Basement Area | 818 sqft |
| Finished Basement | 818 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,209 sqft (0.165 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 254 sqft |
| Patio Area | 254 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 26995 |
|---|---|
| Old Parcel Number | 044R 1A 120 |
| Street Address | 20 EMERALD DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22406-7223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3- RES HIGH DENS |
| Legal Description | LOT 120 SEC 1A 7210 SQFT STAFFORD LAKES VILLAGE |
| Legal Subdivision | STAFFORD LAKES VILLAGE |
| Legal Lot Number | 120 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | HARTWOOD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10307 |
The current owner of 20 Emerald Dr acquired it in November 2013.
Source: Stafford County records, as of November 17, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 20 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Dec 21, 2023 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION MTG ASSN INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2005 · Amount on File |
| Deed Sale | Mar 25, 2005 · Amount on File |
| Prior Sale | Mar 25, 2005 · Amount on File |
| Deed Document Number | 050010197 |
| Last Transfer Date | Nov 21, 2013 |
| Transfer Doc | 130026581 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 20 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0230015123 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 230015123 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 30, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 20 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 200035884 |
| Instrument Date | Dec 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 EMERALD DR FREDERICKSBURG VA 224067223, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 200035884 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 35884 |
| Name | CREDIT UNION MTG ASSN INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 28, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
The 2025 property tax bill for 20 Emerald Dr was $3,810.
Source: Stafford County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Stafford County |
| Unified School District | Stafford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,810.00 | $406,800 Land $130,000 Building $276,800 | $406,800 Land $130,000 Building $276,800 |
| 2023 | $3,425.00 | $362,500 Land $120,000 Building $242,500 | $362,500 Land $120,000 Building $242,500 |
| 2021 | $2,841.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Emerald Dr in Zone X, an area of minimal flood risk.
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 | 8 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 risk around 20 Emerald Dr is low, with a 0.01% annual chance of 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.
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 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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