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323 Phillips St, Fredericksburg, VA 22405 Property Records

Stafford County property record for 323 Phillips St, Fredericksburg, VA 22405

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,776 sqft · built 2015
Lot Size0.492 acres (21,449 sqft)
Owner2 Individual Names on Record
Last Sale$424,000 (Mar 2016)
Tax Bill$5,402 (2025)
Deeds & MortgagesMar 2022 Refinance
Feb 2021 Refinance
Flood ZoneZone X (minimal risk)
APN54D-2A-17

Property Details

APN / Parcel Number

Primary APN54D-2A-17
Alternative APN
  • 53940

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area2,776 sqft Living Area
Basement Area1,411 sqft
Finished Basement1,331 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Architectural StyleTraditional
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area21,449 sqft (0.492 acres)
Garage TypeAttached
Garage Area456 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area115 sqft
Deck Area192 sqft
Patio Area192 sqft
FenceFence
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number53940
Street Address323 PHILLIPS ST
CityFREDERICKSBURG
StateVA
Zip22405-2715
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1- SUBURB RES
Legal DescriptionLOT 17 SEC 2 21451 SQFT HOLLY RIDGE PM140000149
Legal SubdivisionHOLLY RDG SUB SEC 2
Legal Lot Number17
JurisdictionSTAFFORD VA
Township / Civil DivisionGEORGE WASHINGTON
Census Block Group2
Census Block2005
Census Tract10406

Owner

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

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 Record
Mailing Address323 PHILLIPS ST, FREDERICKSBURG, VA 22405-2715
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 9, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
FREEDOM MORTGAGE CORPORATION
Feb 4, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 8, 2016 · Amount on Record
Deed SaleMar 8, 2016 · Amount on Record
Deed Document Number160003698
Record UpdatedJun 8, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTAFFORD VA
Property Address323 PHILLIPS ST, FREDERICKSBURG, VA 22405-2715
Transaction TypeMortgage
Record UpdatedApr 6, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0220005350
DateMar 9, 2022
Instrument220005350
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 1, 2052
Interest
Rate TypeFixed Rate

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTAFFORD VA
Property Address323 PHILLIPS ST, FREDERICKSBURG, VA 22405-2715
Transaction TypeMortgage
Record UpdatedDec 23, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210003919
DateFeb 4, 2021
Instrument210003919
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term308 Months
DueOct 1, 2046
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 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$5,402.00 (+7.33%)$576,800 (+8.3%) Land $125,000 Building $451,800$576,800 (+8.3%) Land $125,000 Building $451,800
2023$5,033.00 (+12.57%)$532,600 Land $115,000 Building $417,600$532,600 Land $115,000 Building $417,600
2021$4,471.00

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 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

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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