Stafford County property record for 3 Emerald Dr, Fredericksburg, VA 22406
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,108 sqft · built 1997 |
| Lot Size | 0.174 acres (7,579 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Oct 2015) |
| Tax Bill | $3,514 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44R-1A-145 |
| Primary APN | 44R-1A-145 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Living Area |
| Gross Area | 2,946 sqft |
| Basement Area | 818 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 418 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,579 sqft (0.174 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 212 sqft |
| Patio Area | 212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 27020 |
|---|---|
| Street Address | 3 EMERALD DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22406-7223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 145 SEC 1A 7578 SQFT STAFFORD LAKES VILLAGE |
| Legal Subdivision | STAFFORD LAKES VILLAGE SEC 1A |
| Legal Block | 1 |
| Legal Lot Number | 145 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | HARTWOOD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 10307 |
Source: Stafford County records, as of October 22, 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 | 3 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Line of Credit ATLANTIC BANK |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional with PMI C&F MTG |
| Dec 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SPRING SQ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2015 · Amount on Record |
| Deed Sale | Oct 27, 2015 · Amount on Record |
| Prior Sale | Dec 30, 2009 · Amount on Record |
| Deed Document Number | 201519301 |
| Prior Transfer Date | Dec 21, 2009 |
| Prior Transfer Doc | 0900021752 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Oct 9, 2026 |
| Property Address | 3 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 0000014839 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 202614839 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 0000014839, |
|---|---|
| Date | Oct 9, 2026 |
| Instrument | 202614839 |
| Name | ATLANTIC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 20, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 3 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 200029829 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 EMERALD DR FREDERICKSBURG VA 224067223, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 200029829 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 29829 |
| Name | C&F MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 3 EMERALD DR, FREDERICKSBURG, VA 22406-7223 |
| Document Number | 190022765 |
| Instrument Date | Dec 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 EMERAID DR FREDERICKSBURG VA 22406, FREDERICKSBURG, VA 22406 |
| Document Number | 190022765 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 22765 |
| Name | SPRING SQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 12, 2034 |
| Rate Type | Fixed Rate |
|---|
Source: Stafford County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Stafford County |
| Unified School District | Stafford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,514.00 (+9.85%) | $381,300 (+12.61%) Land $130,000 Building $251,300 | $381,300 (+12.61%) Land $130,000 Building $251,300 |
| 2023 | $3,199.00 (+20.44%) | $338,600 Land $120,000 Building $218,600 | $338,600 Land $120,000 Building $218,600 |
| 2021 | $2,656.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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