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321 Phillips St, Fredericksburg, VA 22405 Property Records

Stafford County property record for 321 Phillips St, Fredericksburg, VA 22405

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,823 sqft · built 2015
Lot Size0.343 acres (14,949 sqft)
Owner2 Individual Names on File
Last Sale$437,900 (Apr 2016)
Tax Bill$4,773 (2025)
Deeds & MortgagesOct 2021 Second Mortgage
Flood ZoneZone X (minimal risk)
APN54D-2A-18

Property Details

APN / Parcel Number

Primary APN54D-2A-18
Alternative APN
  • 53941

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area2,823 sqft Living Area
Gross Area4,692 sqft
Basement Area1,469 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area14,949 sqft (0.343 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area221 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number53941
Street Address321 PHILLIPS ST
CityFREDERICKSBURG
StateVA
Zip22405-2715
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLOT 18 SEC 2 14954 SQFT HOLLY RIDGE PM140000149
Legal SubdivisionHOLLY RIDGE SEC 2
Legal Block2
Legal Lot Number18
JurisdictionSTAFFORD VA
Township / Civil DivisionGEORGE WASHINGTON
Census Block Group2
Census Block2005
Census Tract10406

Owner

321 Phillips St is owned and occupied by two individuals who bought it in April 2016.

Source: Stafford County records, as of October 19, 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 Record2 Individual Names on File
Mailing Address321 PHILLIPS ST, FREDERICKSBURG, VA 22405-2715
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 25, 2016 · Amount on File
Deed SaleApr 25, 2016 · Amount on File
Prior SaleJan 6, 2015 · Amount on File
Deed Document Number20166591
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTAFFORD VA
Property Address321 PHILLIPS ST, FREDERICKSBURG, VA 22405-2715
Transaction TypeMortgage
Record UpdatedSep 6, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210033949
DateOct 8, 2021
Instrument210033949
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPME
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term295 Months
DueMay 1, 2046
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 321 Phillips St was $4,773.

Source: Stafford County assessment roll, as of August 25, 2025

Property Jurisdictions

TypeName
StateVirginia
CountyStafford County
Unified School DistrictStafford County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,773.00$517,900 Land $125,000 Building $392,900$517,900 Land $125,000 Building $392,900
2023$4,519.00$478,200 Land $115,000 Building $363,200$478,200 Land $115,000 Building $363,200
2021$4,014.00

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

Flood

FEMA maps place 321 Phillips St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2010–2014)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 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

Wildfire risk around 321 Phillips St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 95% of Virginia
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSTAFFORD COUNTY UTILITIES
serves 123,684 people · EPA ID VA6179100
Water SourceSurface water
Last State InspectionNov 2021
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 159 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Cox Communications
Cable		2,000 / 35
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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