313 Third St, Fredericksburg, VA 22408 Property Records

Spotsylvania County property record for 313 Third St, Fredericksburg, VA 22408

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,368 sqft · built 2005
Lot Size	0.122 acres (5,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Oct 2026)
Tax Bill	$2,227 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25A-1-G-7`

Property Details

APN / Parcel Number

Primary APN	`25A-1-G-7`
Alternative APN	`025A 1 G 7`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,368 sqft Finished Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	5,347 sqft (0.122 acres)

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	104 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	313 THIRD ST
City	FREDERICKSBURG
State	VA
Zip	22408-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - RESID
Legal Description	SYLVANIA HEIGHTS LOT 7 BLOCK G
Legal Subdivision	SYLVANIA HEIGHTS
Legal Block	G
Legal Lot Number	7
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	LEE HILL
Census Block Group	2
Census Block	2004
Census Tract	20201

Owner

Source: Spotsylvania County records, as of October 12, 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	313 THIRD ST, FREDERICKSBURG, VA 22408-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC
Dec 14, 2020	Deed of Trust, Mortgage · Conventional with PMI MR COOPER
Jun 23, 2017	Grant Deed, Transfer · FHA Mortgage VIRGINIA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	202616007
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Oct 1, 2026
Property Address	313 THIRD ST, FREDERICKSBURG, VA 22408-2321
Document Number	0000016007
Instrument Date	Sep 30, 2026
Instrument	202616007
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,855.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 THIRD ST, FREDERICKSBURG, VA 22408-2321

Mortgage

Document Number	0000016008,
Date	Oct 1, 2026
Instrument	202616008

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	313 THIRD ST, FREDERICKSBURG, VA 22408-2321
Document Number	202100002639
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 THIRD ST FREDERICKSBURG VA 224082321, FREDERICKSBURG, VA 22408-2321

Mortgage

Document Number	202100002639
Date	Jan 29, 2021
Instrument	2639

Lender

Name	MR COOPER

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2051

Interest

Rate Type	Fixed Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jun 23, 2017
Property Address	313 THIRD ST, FREDERICKSBURG, VA 22408-2321
Document Number	201700011148
Instrument Date	Jun 21, 2017
Instrument	11148
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 THIRD ST FREDERICKSBURG VA 224082321, FREDERICKSBURG, VA 22408-2321

Mortgage

Document Number	201700011149
Date	Jun 23, 2017
Instrument	11149

Lender

Name	VIRGINIA CU
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

Source: Spotsylvania County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Spotsylvania County
Unified School District	Spotsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,227.00 (+37.05%)	$302,100 (+43.45%) Land $150,000 Building $152,100
2025			$302,100 (+43.45%) Land $150,000 Building $152,100
2023	$1,625.00	$210,600 Land $95,000 Building $115,600	$210,600 Land $95,000 Building $115,600

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 May 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2003–2014)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2014 · 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

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	SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people · EPA ID VA6177300
Water Source	Surface water
Last State Inspection	Jun 2021
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 275 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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