328 Third St, Fredericksburg, VA 22408 Property Records

Spotsylvania County property record for 328 Third St, Fredericksburg, VA 22408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,480 sqft · built 2017
Lot Size	0.132 acres (5,774 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Dec 2017)
Tax Bill	$2,568 (2026)
Deeds & Mortgages	Mar 2021 Refinance Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25A-1-E-72`

Property Details

APN / Parcel Number

Primary APN	`25A-1-E-72`
Alternative APN	`025A 1 E 72`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,480 sqft Finished Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	5,774 sqft (0.132 acres)
Deck Area	Deck Area
Patio Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	328 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 72 BLOCK E
Legal Subdivision	SYLVANIA HEIGHTS
Legal Block	E
Legal Lot Number	72
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	LEE HILL
Census Block Group	2
Census Block	2004
Census Tract	20201

Owner

328 Third St is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	328 THIRD ST, FREDERICKSBURG, VA 22408-2335
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
Mar 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING
Dec 22, 2017	Warranty Deed, Transfer · FHA Mortgage FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2017 · Amount on File
Deed Sale	Dec 22, 2017 · Amount on File
Prior Sale	Jul 1, 2015 · Amount on File
Deed Document Number	201722730
Last Transfer Date	Mar 16, 2021
Transfer Doc	0000008498
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	328 THIRD ST, FREDERICKSBURG, VA 22408-2335
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210008499
Date	Mar 23, 2021
Instrument	210008499

Lender

Name	NFM LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.38%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Dec 22, 2017
Property Address	328 THIRD ST, FREDERICKSBURG, VA 22408-2335
Document Number	201700022730
Instrument Date	Dec 21, 2017
Instrument	22730
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 THIRD ST FREDERICKSBURG VA 224082335, FREDERICKSBURG, VA 22408-2335

Mortgage

Document Number	201700022731
Date	Dec 22, 2017
Instrument	22731

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 328 Third St was $2,568, up 10.9% from the year before.

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	$2,568.00 (+10.93%)	$348,400 (+10.46%) Land $150,000 Building $198,400
2025	$2,315.00	$315,400 Land $125,000 Building $190,400	$348,400 (+10.46%) Land $150,000 Building $198,400
2024			$315,400 (+29.1%) Land $125,000 Building $190,400
2023	$1,885.00	$244,300 Land $95,000 Building $149,300	$244,300 Land $95,000 Building $149,300

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

Flood

FEMA maps place 328 Third St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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

The area around 328 Third St has no burnable land within ember reach, so its wildfire risk is not rated.

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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