232 Choptank Rd, Stafford, VA 22556 Property Records

Stafford County property record for 232 Choptank Rd, Stafford, VA 22556

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1992
Lot Size	0.336 acres (14,653 sqft)
Owner	Company Name on File
Last Sale	$469,900 (Jan 2026)
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19D3-2-550`

Property Details

APN / Parcel Number

Primary APN	`19D3-2-550`
Alternative APNs	`019D3 2 550` `4180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Finished Basement	156 sqft
Unfinished Basement	1,132 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,653 sqft (0.336 acres)
Garage Type	Basement
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	4180
Street Address	232 CHOPTANK RD
City	STAFFORD
State	VA
Zip	22556-6442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 550 SEC 2 14653 SQFT PHASE 3 VISTA WOODS SUB
Legal Subdivision	PHASE 3 VISTA WOODS SUB SEC 2
Legal Block	1
Legal Lot Number	550
Jurisdiction	STAFFORD VA
Township / Civil Division	ROCK HILL
Census Block Group	1
Census Block	1021
Census Tract	10205

Owner

232 Choptank Rd is owned by a company that bought it in January 2026.

Source: Stafford County records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	8 PINTO LN, STAFFORD, VA 22556-3440
Owner Type	Company
Vesting	Limited Liability Company

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
Mar 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST HERITAGE MORTGAGE LLC
Jan 2, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 30, 2025	Deed, Transfer SUN TITLE AND ESCROW LLC, UNICO TITLE AND ESCROW LLC
Apr 14, 2022	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION COMPANY LLC
Aug 18, 2017	Grant Deed, Transfer · Conventional with PMI FIRST HERITAGE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2026 · Amount on File
Deed Sale	Jan 2, 2026 · Amount on File
Prior Sale	Sep 30, 2025 · Amount on File
Deed Document Number	202635
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	232 CHOPTANK RD, STAFFORD, VA 22556-6442
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210007501
Date	Mar 5, 2021
Instrument	210007501

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.13%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STAFFORD VA
Recording Date	Jan 2, 2026
Property Address	232 CHOPTANK RD, STAFFORD, VA 22556-6442
Document Number	0260000035
Map Reference	MB 15 PG 184&185
Instrument Date	Dec 31, 2025
Instrument	260000035
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	MBH SETTLEMENT GROUP LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 PINTO LN, STAFFORD, VA 22556-3440

Mortgage

Document Number	0260000036
Date	Jan 2, 2026
Instrument	260000036

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	STAFFORD VA
Recording Date	Sep 30, 2025
Property Address	232 CHOPTANK RD, STAFFORD, VA 22556-6442
Document Number	0250012826
Map Reference	MB 15 PG 184&185
Instrument Date	Sep 29, 2025
Instrument	250012826
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	SUN TITLE AND ESCROW LLC, UNICO TITLE AND ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$187.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	5610 JOSHUA TREE CIR, FREDERICKSBURG, VA 22407-9341

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Apr 14, 2022
Property Address	232 CHOPTANK RD, STAFFORD, VA 22556-6442
Document Number	0220008334
Instrument Date	Apr 13, 2022
Instrument	220008334
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	JDM TITLE LLC

Transaction

Amount	Amount on Record
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	232 CHOPTANK RD, STAFFORD, VA 22556-6442

Mortgage

Document Number	0220008335
Date	Apr 14, 2022
Instrument	220008335

Lender

Name	DAS ACQUISITION COMPANY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STAFFORD VA
Recording Date	Aug 18, 2017
Property Address	232 CHOPTANK RD, STAFFORD, VA 22556-6442
Document Number	170014984
Instrument Date	Aug 16, 2017
Instrument	14984
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	TERRY ABSTRACT COMPANY, TERRY ABS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CHOPTANK RD STAFFORD VA 225566442, STAFFORD, VA 22556-6442

Mortgage

Document Number	170014985
Date	Aug 18, 2017
Instrument	14985

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 232 Choptank Rd was $3,436, up 1.7% from the year before.

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	$3,436.00 (+1.66%)	$372,800 Land $120,000 Building $252,800	$372,800 Land $120,000 Building $252,800
2024	$3,380.00 (+15.44%)
2023	$2,928.00	$309,900 Land $110,000 Building $199,900	$309,900 Land $110,000 Building $199,900
2021	$2,542.00

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

Flood

FEMA maps place 232 Choptank Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2018 · rainfall accumulation

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 232 Choptank Rd 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	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	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

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 224 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
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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