227 Charles St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 227 Charles St, Fredericksburg, VA 22401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,602 sqft · built 2016
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Company Names on Record
Last Sale	$495,000 (May 2017)
Tax Bill	$6,510 (2026)
Deeds & Mortgages	Jan 2026 Transfer Jan 2021 Mortgage + 1 more
APN	`7789-22-3356`

Property Details

APN / Parcel Number

Primary APN	`7789-22-3356`
Alternative APN	`9482`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,602 sqft Living Area
1st Floor Area	1,292 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Terrain	Rolling
Garage Area	1,328 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Deck Area	332 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	227 CHARLES ST
City	FREDERICKSBURG
State	VA
Zip	22401-6015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 2 6,072 SQ FT BL 58-L2
Legal Subdivision	CHARLES STREET SD
Legal Lot Number	2
Jurisdiction	FREDERICKSBURG CITY VA
Township / Civil Division	FREDERICKSBURG
Census Block Group	3
Census Block	3007
Census Tract	400

Owner

Source: Fredericksburg City records, as of March 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	227 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Intrafamily Transfer, Transfer
Jan 21, 2021	Quit Claim Deed, Transfer ATLANTIC COAST MTG
May 1, 2017	Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Deed Document Number	20171059
Last Transfer Date	Jan 28, 2026
Transfer Doc	0202600143
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	Jan 28, 2026
Property Address	227 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Document Number	0202600143
Map Reference	MB 17A PG 167A
Instrument Date	Jan 28, 2026
Instrument	202600143
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	227 CHARLES ST, FREDERICKSBURG, VA 22401-6015

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	Jan 21, 2021
Property Address	227 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Document Number	212100281
Instrument Date	Jan 13, 2021
Instrument	2100281
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 CHARLES ST FREDERICKSBURG VA 224016015, FREDERICKSBURG, VA 22401-6015

Mortgage

Document Number	212100282
Date	Jan 21, 2021
Instrument	2100282

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	May 1, 2017
Property Address	227 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Document Number	0170001059
Instrument Date	Apr 28, 2017
Instrument	170001059
Transaction Type	Transfer
Record Updated	Apr 5, 2022
Title Company	EKKO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 CHARLES ST, FREDERICKSBURG, VA 22401-6015

Mortgage

Document Number	0170001060
Date	May 1, 2017
Instrument	170001060

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Fredericksburg City assessment roll, as of March 9, 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	$6,510.00 (+5.19%)	$803,800 (-) Land $180,000 Building $623,800	$803,800 (-) Land $180,000 Building $623,800
2025	$6,189.00 (+43%)	$803,800 (+65.25%) Land $180,000 Building $623,800	$803,800 (+65.25%) Land $180,000 Building $623,800
2024	$4,328.00	$486,400 Land $90,000 Building $396,400	$486,400 Land $90,000 Building $396,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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