322 Phillips St, Fredericksburg, VA 22405 Property Records

Stafford County property record for 322 Phillips St, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,312 sqft · built 2017
Lot Size	0.293 acres (12,776 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Nov 2019)
Tax Bill	$4,125 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage May 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54D-2A-2`

Property Details

APN / Parcel Number

Primary APN	`54D-2A-2`
Alternative APN	`53928`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,312 sqft Living Area
Basement Area	1,124 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,776 sqft (0.293 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	73 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	53928
Street Address	322 PHILLIPS ST
City	FREDERICKSBURG
State	VA
Zip	22405-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 2 SEC 2 12777 SQFT HOLLY RIDGE PM140000149
Legal Subdivision	HOLLY RDG SUB SEC 2
Legal Lot Number	2
Jurisdiction	STAFFORD VA
Township / Civil Division	GEORGE WASHINGTON
Census Block Group	2
Census Block	2005
Census Tract	10406

Owner

322 Phillips St is owned and occupied by an individual who bought it in November 2019.

Source: Stafford County records, as of November 17, 2025

Owner of Record	Individual Name on File
Mailing Address	322 PHILLIPS ST, FREDERICKSBURG, VA 22405-2716
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2019	Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG
May 17, 2017	Quit Claim Deed, Subdivision Related Transfer VISTA TITLE AND ESCROW INC, STA TITLE & ESCROW INC
May 17, 2017	Quit Claim Deed, Transfer VISTA TITLE AND ESCROW INC, STA TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	May 17, 2017
Deed Document Number	190020209
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Nov 6, 2019
Property Address	322 PHILLIPS ST, FREDERICKSBURG, VA 22405-2716
Document Number	190020209
Instrument Date	Oct 31, 2019
Instrument	20209
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 PHILLIPS ST FREDERICKSBURG VA 224052716, FREDERICKSBURG, VA 22405-2716

Mortgage

Document Number	190020210
Date	Nov 6, 2019
Instrument	20210

Lender

Name	MOVEMENT MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2049

Interest

Rate Type	Fixed Rate

May 2017: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	STAFFORD VA
Recording Date	May 17, 2017
Property Address	322 PHILLIPS ST, FREDERICKSBURG, VA 22405-2716
Document Number	170008535
Instrument Date	May 8, 2017
Instrument	8535
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 21, 2017
Title Company	VISTA TITLE AND ESCROW INC, STA TITLE & ESCROW INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1600 SPOTSYLVANIA VA 225539500, SPOTSYLVANIA, VA 22553-9500

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STAFFORD VA
Recording Date	May 17, 2017
Property Address	322 PHILLIPS ST, FREDERICKSBURG, VA 22405-2716
Document Number	170008534
Instrument Date	May 8, 2017
Instrument	8534
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	VISTA TITLE AND ESCROW INC, STA TITLE & ESCROW INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1600 SPOTSYLVANIA VA 225539500, SPOTSYLVANIA, VA 22553-9500

Tax Assessment & Valuation

The 2025 property tax bill for 322 Phillips St was $4,125.

Source: Stafford County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,125.00	$440,400 Land $125,000 Building $315,400	$440,400 Land $125,000 Building $315,400
2023	$3,842.00	$406,600 Land $115,000 Building $291,600	$406,600 Land $115,000 Building $291,600
2021	$3,413.00

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

Flood

FEMA maps place 322 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 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 322 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 Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 System	STAFFORD COUNTY UTILITIES serves 123,684 people · EPA ID VA6179100
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2022–2024) 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 159 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 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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