331 Fourth St, Fredericksburg, VA 22408 Property Records

Spotsylvania County property record for 331 Fourth St, Fredericksburg, VA 22408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2009
Lot Size	4.01 acres (174,676 sqft)
Owner	2 Individual Names on File
Last Sale	$224,000 (Nov 2013)
Tax Bill	$2,972 (2026)
Deeds & Mortgages	Jun 2023 Refinance Jul 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`25A-1-A`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Finished Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	174,676 sqft (4.01 acres)

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	60 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	331 FOURTH ST
City	FREDERICKSBURG
State	VA
Zip	22408-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - RESID
Legal Description	SYLVANIA HEIGHTS PARCEL A-R
Legal Subdivision	SYLVANIA HEIGHTS
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	LEE HILL
Census Block Group	2
Census Block	2004
Census Tract	20201

Owner

331 Fourth St is owned and occupied by two individuals who acquired it in May 2021.

Source: Spotsylvania County records, as of August 11, 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 Record	2 Individual Names on File
Mailing Address	331 FOURTH ST, FREDERICKSBURG, VA 22408-2311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NEXTMARK CREDIT UNION
Jul 28, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance TRUIST BANK
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit FAIRFAX CNTY EMPS CU
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEVERN SVGS BK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2013 · Amount on File
Deed Sale	Nov 27, 2013 · Amount on File
Prior Sale	Jul 17, 2013 · Amount on File
Deed Document Number	201326639
Last Transfer Date	May 20, 2021
Transfer Doc	0000022894
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	331 FOURTH ST, FREDERICKSBURG, VA 22408-2311
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230007600
Date	Jun 12, 2023
Instrument	230007600

Lender

Name	NEXTMARK CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2053

Interest

Rate Type	Adjustable Rate

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jul 28, 2021
Property Address	331 FOURTH ST, FREDERICKSBURG, VA 22408-2311
Document Number	0210022894
Instrument Date	May 20, 2021
Instrument	210022894
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 FOURTH ST, FREDERICKSBURG, VA 22408-2311

Mortgage

Document Number	0210022895
Date	Jul 28, 2021
Instrument	210022895

Lender

Name	TRUIST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	331 FOURTH ST, FREDERICKSBURG, VA 22408-2311
Document Number	201700018387
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018387
Date	Oct 11, 2017
Instrument	18387

Lender

Name	FAIRFAX CNTY EMPS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2047

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	331 FOURTH ST, FREDERICKSBURG, VA 22408-2311
Document Number	201700012835
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700012835
Date	Jul 19, 2017
Instrument	12835

Lender

Name	SEVERN SVGS BK FSB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 331 Fourth St was $2,972.

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	$2,972.00	$403,100 Land $184,500 Building $218,600
2025			$403,100 Land $184,500 Building $218,600
2023	$2,182.00	$282,800 Land $117,300 Building $165,500	$282,800 Land $117,300 Building $165,500

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

Flood

FEMA maps place 331 Fourth St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 331 Fourth St is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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