304 Caroline St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 304 Caroline St, Fredericksburg, VA 22401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 5,561 sqft · built 1935
Lot Size	0.283 acres (12,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Jul 2020)
Tax Bill	$13,825 (2026)
Deeds & Mortgages	Jan 2019 Mortgage Jul 2020 Sale & Mortgage + 1 more
APN	`7789-22-5977`

Property Details

APN / Parcel Number

Primary APN	`7789-22-5977`
Alternative APNs	`0480` `480`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	5,561 sqft Living Area
1st Floor Area	2,311 sqft
Basement Area	578 sqft
Unfinished Basement	578 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,327 sqft (0.283 acres)
Lot Dimensions	131 ft deep x 94 ft wide
Driveway	Driveway

Exterior Amenities

Porch	Porch
Porch Area	1,378 sqft
Patio Area	4,278 sqft
Shed	1 Shed
Shed Area	168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	304 CAROLINE ST
City	FREDERICKSBURG
State	VA
Zip	22401-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 244 12,314 SF BL 50-304 302
Legal Subdivision	HOWISON
Legal Lot Number	244
Jurisdiction	FREDERICKSBURG CITY VA
Township / Civil Division	FREDERICKSBURG
Census Block Group	3
Census Block	3011
Census Tract	400

Owner

Source: Fredericksburg City records, as of March 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	304 CAROLINE ST, FREDERICKSBURG, VA 22401-6012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 14, 2020	Warranty Deed, Transfer · ARM M & T BANK
May 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Prior Sale	May 1, 1998 · Amount on Record
Deed Document Number	20201902
Prior Transfer Date	Apr 17, 2020
Prior Transfer Doc	202001212
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	304 CAROLINE ST, FREDERICKSBURG, VA 22401-6012
Transaction Type	Mortgage
Record Updated	Apr 5, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000050
Date	Jan 9, 2019
Instrument	190000050

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	Jul 14, 2020
Property Address	304 CAROLINE ST, FREDERICKSBURG, VA 22401-6012
Document Number	0202001902
Instrument Date	Jul 13, 2020
Instrument	202001902
Transaction Type	Transfer
Record Updated	Apr 5, 2022
Title Company	THE TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	304 CAROLINE ST, FREDERICKSBURG, VA 22401-6012

Mortgage

Document Number	0202001903
Date	Jul 14, 2020
Instrument	202001903

Lender

Name	M & T BANK

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2030

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	May 7, 2020
Property Address	304 CAROLINE ST, FREDERICKSBURG, VA 22401-6012
Document Number	202001212
Instrument Date	Apr 17, 2020
Instrument	2001212
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CAROLINE ST FREDERICKSBURG VA 224016012, FREDERICKSBURG, VA 22401-6012

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	$13,825.00 (+17.24%)	$1,706,900 (+28.82%) Land $305,000 Building $1,401,900	$1,706,900 (+28.82%) Land $305,000 Building $1,401,900
2024	$11,792.00	$1,325,000 Land $255,000 Building $1,070,000	$1,325,000 Land $255,000 Building $1,070,000

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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