318 Charles St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 318 Charles St, Fredericksburg, VA 22401

Property Summary

Property Type	Commercial
Details	2 ba · 4,100 sqft · built 1939
Lot Size	0.198 acres (8,668 sqft)
Owner	Company Name on File
Last Sale	$635,000 (Mar 2021)
Tax Bill	$2,413 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Mar 2021 Sale
APN	`7789-12-8882`

Property Details

APN / Parcel Number

Primary APN	`7789-12-8882`
Alternative APNs	`0972` `972`

Interior

Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	4,100 sqft Total Area
1st Floor Area	4,100 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1939
Exterior Material	Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	8,668 sqft (0.198 acres)
Lot Dimensions	133 ft deep x 55 ft wide
Garage Type	Built-in
Driveway	Driveway
Driveway Area	2,500 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	972
Old Parcel Number	0972
Street Address	318 CHARLES ST
City	FREDERICKSBURG
State	VA
Zip	22401
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CD
Legal Description	LT 212 BL 88-318
Legal Block	88
Legal Lot Number	212
Jurisdiction	FREDERICKSBURG CITY VA
Township / Civil Division	FREDERICKSBURG
Census Block Group	3
Census Block	3016
Census Tract	400

Owner

318 Charles St, a commercial property, is owned by a company that bought it in March 2021.

Source: Fredericksburg City records, as of March 6, 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	Company Name on File
Mailing Address	PO BOX 8360, FREDERICKSBURG, VA 22404-8360
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage VIRGINIA PARTNERS BANK
Mar 23, 2021	Special Warranty Deed, Transfer PEAK TITLE PROFESSIONALS LLC, THE TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2021 · Amount on File
Deed Sale	Mar 23, 2021 · Amount on File
Prior Sale	Mar 23, 2016 · Amount on File
Deed Document Number	0000217323
Deed Book / Page	217 / 323
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	318 CHARLES ST, FREDERICKSBURG, VA 22401
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170001460
Date	Jun 20, 2017
Instrument	170001460

Lender

Name	VIRGINIA PARTNERS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICKSBURG CITY VA
Recording Date	Mar 23, 2021
Property Address	318 CHARLES ST, FREDERICKSBURG, VA 22401
Document Number	0202101095
Instrument Date	Mar 22, 2021
Instrument	202101095
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	PEAK TITLE PROFESSIONALS LLC, THE TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 8360, FREDERICKSBURG, VA 22404-8360

Tax Assessment & Valuation

The 2026 property tax bill for 318 Charles St was $2,413.

Source: Fredericksburg City assessment roll, as of January 1, 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	$2,413.00	$298,000 Land $207,000 Building $91,000	$298,000 Land $207,000 Building $91,000
2024	$2,112.00	$237,400 Land $207,000 Building $30,400	$237,400 Land $207,000 Building $30,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 318 Charles St; 24 flood insurance policies are in force nearby.

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 File 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

The area around 318 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

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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