229 Charles St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 229 Charles St, Fredericksburg, VA 22401

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,602 sqft · built 2016
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,900 (Mar 2017)
Tax Bill	$6,526 (2026)
Deeds & Mortgages	Feb 2022 Refinance Aug 2020 Mortgage + 1 more
APN	`7789-22-3421`

Property Details

APN / Parcel Number

Primary APN	`7789-22-3421`
Alternative APNs	`58 221` `573`

Interior

Bedrooms	4 Beds
Full Baths	4 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
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	132 ft deep x 51 ft wide
Terrain	Rolling
Garage Area	1,328 sqft
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
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	573
Old Parcel Number	58 221
Street Address	229 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 3 6,072 SQ FT BL 58-L3
Legal Block	58
Legal Lot Number	3
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 6, 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	229 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TRUIST BANK
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 1, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2017 · Amount on Record
Deed Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	2017514
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	229 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200361
Date	Feb 8, 2022
Instrument	202200361

Lender

Name	TRUIST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	229 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202002173
Date	Aug 6, 2020
Instrument	202002173

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2040

Interest

Rate Type	Fixed Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	Mar 1, 2017
Property Address	229 CHARLES ST, FREDERICKSBURG, VA 22401-6015
Document Number	170000514
Instrument Date	Feb 27, 2017
Instrument	514
Transaction Type	Transfer
Record Updated	Mar 9, 2017
Title Company	TERRY ABSTRACT COMPANY, TERRY ABS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	229 CHARLES ST FREDERICKSBURG VA 22401, FREDERICKSBURG, VA 22401

Mortgage

Document Number	170000515
Date	Mar 1, 2017
Instrument	515

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

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	$6,526.00 (+50.3%)	$805,700 (+65.14%) Land $180,000 Building $625,700	$805,700 (+65.14%) Land $180,000 Building $625,700
2024	$4,342.00	$487,900 Land $90,000 Building $397,900	$487,900 Land $90,000 Building $397,900

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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