320 Third St, Fredericksburg, VA 22408 Property Records

Spotsylvania County property record for 320 Third St, Fredericksburg, VA 22408

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1936
Lot Size	0.186 acres (8,100 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Jul 2025)
Tax Bill	$1,777 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25A-1-E-68`

Property Details

APN / Parcel Number

Primary APN	`25A-1-E-68`
Alternative APN	`025A 1 E 68`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Finished Area

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,100 sqft (0.186 acres)
Porch	Slab
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	320 THIRD ST
City	FREDERICKSBURG
State	VA
Zip	22408-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - RESID
Legal Description	SYLVANIA HEIGHTS LOT 68 BLOCK E
Legal Subdivision	SYLVANIA HEIGHTS
Legal Block	E
Legal Lot Number	68
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 August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	320 THIRD ST, FREDERICKSBURG, VA 22408-2335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 3, 2020	Deed of Trust, Mortgage · Line of Credit PEQUOD LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	May 19, 2021 · Amount on Record
Deed Document Number	202511127
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	320 THIRD ST, FREDERICKSBURG, VA 22408-2335
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 THIRD ST, FREDERICKSBURG, VA 22408-2335

Mortgage

Document Number	0260002334
Date	Feb 17, 2026
Instrument	260002334

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	320 THIRD ST, FREDERICKSBURG, VA 22408-2335
Document Number	202000006770
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 THIRD ST FREDERICKSBURG VA 224082335, FREDERICKSBURG, VA 22408-2335

Mortgage

Document Number	202000006770
Date	Apr 6, 2020
Instrument	6770

Lender

Name	PEQUOD LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 5, 2021

Interest

Rate Type	Adjustable 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	$1,777.00 (+38.83%)	$241,100 (+45.33%) Land $150,000 Building $91,100
2025			$241,100 (+45.33%) Land $150,000 Building $91,100
2023	$1,280.00	$165,900 Land $95,000 Building $70,900	$165,900 Land $95,000 Building $70,900

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
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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