204 Caroline St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 204 Caroline St, Fredericksburg, VA 22401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,756 sqft · built 1904
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Tax Bill	$5,878 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2020 Refinance
APN	`7789-22-8406`

Property Details

APN / Parcel Number

Primary APN	`7789-22-8406`
Alternative APNs	`0499` `499`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	2,756 sqft Living Area
1st Floor Area	1,097 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Architectural Style	Victorian
Exterior Material	Wood Siding
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Metal
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	134 ft deep x 45 ft wide
Terrain	Above Road/Slope
Garage Type	Built-in
Porch	Porch
Porch Area	157 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	499
Old Parcel Number	0499
Street Address	204 CAROLINE ST
City	FREDERICKSBURG
State	VA
Zip	22401-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 241 BL 52-204
Legal Block	52
Legal Lot Number	241
Jurisdiction	FREDERICKSBURG CITY VA
Township / Civil Division	FREDERICKSBURG
Census Block Group	3
Census Block	3004
Census Tract	400

Owner

204 Caroline St is owned and occupied by an individual who acquired it in March 2019.

Source: Fredericksburg City records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	204 CAROLINE ST, FREDERICKSBURG, VA 22401-6010
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Dec 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2019
Deed Sale	Mar 14, 2019
Deed Document Number	20043916
Deed Book / Page	4000 / 3916
Prior Transfer Date	Nov 30, 2004
Prior Transfer Doc	0040003916
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	204 CAROLINE ST, FREDERICKSBURG, VA 22401-6010
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000205
Date	Jan 22, 2020
Instrument	202000205

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	204 CAROLINE ST, FREDERICKSBURG, VA 22401-6010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202003880
Date	Dec 11, 2020
Instrument	202003880

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 204 Caroline St was $5,878.

Source: Fredericksburg City assessment roll, as of January 1, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Fredericksburg City
Unified School District	Fredericksburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,878.00	$725,700 Land $245,000 Building $480,700	$725,700 Land $245,000 Building $480,700
2024	$5,249.00	$589,800 Land $195,000 Building $394,800	$589,800 Land $195,000 Building $394,800

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

Flood

FEMA has no flood map on file for 204 Caroline St; 24 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 24 policies
Nearby Flood Policies	24 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

Wildfire risk around 204 Caroline St is low, with less than 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 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF FREDERICKSBURG serves 28,350 people · EPA ID VA6630050
Water Source	Purchased surface water from SPOTSYLVANIA COUNTY UTILITIES
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2023–2025) 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 325 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 · Fiber in parts of the area	2,000 / 100
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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