3224 Lancaster Ring Rd, Fredericksburg, VA 22408 Property Records

Spotsylvania County property record for 3224 Lancaster Ring Rd, Fredericksburg, VA 22408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,270 sqft · built 2000
Lot Size	0.396 acres (17,251 sqft)
Owner	2 Individual Names on File
Last Sale	$376,000 (Feb 2022)
Tax Bill	$3,163 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50A-10-434`

Property Details

APN / Parcel Number

Primary APN	`50A-10-434`
Alternative APN	`050A10-434`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,270 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	17,251 sqft (0.396 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	454 sqft
Patio Area	454 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3224 LANCASTER RING RD
City	FREDERICKSBURG
State	VA
Zip	22408-7723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	LANCASTER GATE LOT 434 SEC 8
Legal Subdivision	LANCASTER GATE
Legal Lot Number	434
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1007
Census Tract	20207

Owner

3224 Lancaster Ring Rd is owned and occupied by two individuals who bought it in February 2022.

Source: Spotsylvania County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3224 LANCASTER RING RD, FREDERICKSBURG, VA 22408-7723
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
Feb 14, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE LLC
Nov 6, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Aug 31, 2017	Warranty Deed, Transfer · VA Mortgage MCLEAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2022 · Amount on File
Deed Sale	Feb 14, 2022 · Amount on File
Prior Sale	Aug 31, 2017 · Amount on File
Deed Document Number	20223249
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Feb 14, 2022
Property Address	3224 LANCASTER RING RD, FREDERICKSBURG, VA 22408-7723
Document Number	0220003249
Instrument Date	Jan 6, 2022
Instrument	220003249
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	EKKO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	3224 LANCASTER RING RD, FREDERICKSBURG, VA 22408-7723

Mortgage

Document Number	0220003250
Date	Feb 14, 2022
Instrument	220003250

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3224 LANCASTER RING RD, FREDERICKSBURG, VA 22408-7723
Document Number	202100000867
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 LANCASTER RING RD FREDERICKSBURG VA 224087723, FREDERICKSBURG, VA 22408-7723

Mortgage

Document Number	202100000867
Date	Jan 12, 2021
Instrument	867

Lender

Name	PENNYMAC

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2051

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 31, 2017
Property Address	3224 LANCASTER RING RD, FREDERICKSBURG, VA 22408-7723
Document Number	201700015811
Instrument Date	Aug 28, 2017
Instrument	15811
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 LANCASTER RING RD FREDERICKSBURG VA 224087723, FREDERICKSBURG, VA 22408-7723

Mortgage

Document Number	201700015812
Date	Aug 31, 2017
Instrument	15812

Lender

Name	MCLEAN MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3224 Lancaster Ring Rd was $3,163.

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	$3,163.00	$429,000 Land $160,000 Building $269,000
2025			$429,000 Land $160,000 Building $269,000
2023	$2,491.00	$322,800 Land $100,000 Building $222,800	$322,800 Land $100,000 Building $222,800

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

Flood

FEMA maps place 3224 Lancaster Ring Rd in Zone X, an area of minimal flood risk.

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

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 3224 Lancaster Ring Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 213 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
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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