28 Sutter Dr, Fredericksburg, VA 22405 Property Records

Stafford County property record for 28 Sutter Dr, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,234 sqft · built 2017
Lot Size	0.348 acres (15,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,990 (Jun 2017)
Tax Bill	$5,824 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54TT-18`

Property Details

APN / Parcel Number

Primary APN	`54TT-18`
Alternative APNs	`054TT 18` `46779`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,234 sqft Living Area
Basement Area	1,623 sqft
Finished Basement	849 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,172 sqft (0.348 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	46779
Old Parcel Number	054TT 18
Street Address	28 SUTTER DR
City	FREDERICKSBURG
State	VA
Zip	22405-2184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 18 .34833 AC THE OAKS OF HIGHLAND HOMES
Legal Subdivision	THE OAKS OF HIGHLAND HOMES
Legal Lot Number	18 34833
Jurisdiction	STAFFORD VA
Township / Civil Division	FALMOUTH
Census Block Group	4
Census Block	4001
Census Tract	10404

Owner

Source: Stafford County records, as of November 17, 2025

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	28 SUTTER DR, FREDERICKSBURG, VA 22405-2184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2017 · Amount on Record
Deed Sale	Jun 29, 2017 · Amount on Record
Deed Document Number	170011631
Record Updated	Jun 8, 2026

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Jun 29, 2017
Property Address	28 SUTTER DR, FREDERICKSBURG, VA 22405-2184
Document Number	170011631
Instrument Date	Jun 28, 2017
Instrument	11631
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 15, 2017
Title Company	STEWART TITLE, STEWART TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$437.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170011632
Date	Jun 29, 2017
Instrument	11632

Lender

Name	PHH HM LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 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	$5,824.00 (+24.05%)	$621,800 (+25.14%) Land $150,000 Building $471,800	$621,800 (+25.14%) Land $150,000 Building $471,800
2023	$4,695.00 (+10.76%)	$496,900 Land $140,000 Building $356,900	$496,900 Land $140,000 Building $356,900
2021	$4,239.00

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, 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	7 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	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 270 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	2,000 / 100
T-Mobile Fixed Wireless	100 / 20