318 Stephen Dr, Spotsylvania, VA 22551 Property Records

Spotsylvania County property record for 318 Stephen Dr, Spotsylvania, VA 22551

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,236 sqft · built 2021
Lot Size	1.97 acres (85,813 sqft)
Owner	Individual Name on File
Last Sale	$419,900 (Jan 2022)
Tax Bill	$2,657 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047B 1-44A`

Property Details

APN / Parcel Number

Primary APN	`047B 1-44A`
Alternative APN	`47B-1-44A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,236 sqft Finished Area
Basement Area	1,144 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	85,813 sqft (1.97 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	318 STEPHEN DR
City	SPOTSYLVANIA
State	VA
Zip	22551-2734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 - AGRIC
Legal Description	LAKE VIEW ESTATES COMMUNITY AREA
Legal Subdivision	LAKEVIEW ESTATES
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	BERKELEY
Census Block Group	5
Census Block	5016
Census Tract	20311

Owner

318 Stephen Dr is owned and occupied by an individual who bought it in January 2022.

Source: Spotsylvania County records, as of August 11, 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	Individual Name on File
Mailing Address	318 STEPHEN DR, SPOTSYLVANIA, VA 22551-2734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2022 · Amount on File
Deed Sale	Jan 27, 2022 · Amount on File
Prior Sale	May 7, 2020 · Amount on File
Deed Document Number	20221861
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jan 27, 2022
Property Address	318 STEPHEN DR, SPOTSYLVANIA, VA 22551-2734
Document Number	0220001861
Instrument Date	Jan 26, 2022
Instrument	220001861
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	EKKO TITLE

Transaction

Amount	Amount 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	318 STEPHEN DR, SPOTSYLVANIA, VA 22551-2734

Mortgage

Document Number	0220001862
Date	Jan 27, 2022
Instrument	220001862

Lender

Name	SUMMIT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0220001863
Date	Jan 27, 2022
Instrument	220001863

Lender

Name	SUMMIT MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

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	$2,657.00 (+6.03%)	$360,500 (+5.59%) Land $103,500 Building $257,000
2025	$2,506.00 (+18.32%)	$341,400 (+24.37%) Land $86,300 Building $255,100	$360,500 (+5.59%) Land $103,500 Building $257,000
2024			$341,400 (+24.37%) Land $86,300 Building $255,100
2023	$2,118.00	$274,500 Land $63,300 Building $211,200	$274,500 Land $63,300 Building $211,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 318 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2003 · Hurricane Isabel

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

Wildfire risk around 318 Stephen Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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