34 Oak Rd, Stafford, VA 22556 Property Records

Stafford County property record for 34 Oak Rd, Stafford, VA 22556

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,008 sqft · built 2019
Lot Size	0.773 acres (33,681 sqft)
Owner	Individual Name on Record
Last Sale	$632,053 (Sep 2019)
Tax Bill	$7,441 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20AB-22`

Property Details

APN / Parcel Number

Primary APN	`20AB-22`
Alternative APN	`56957`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,008 sqft Living Area
Basement Area	2,060 sqft
Finished Basement	1,427 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,681 sqft (0.773 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	56957
Street Address	34 OAK RD
City	STAFFORD
State	VA
Zip	22556-3864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2- RURAL RES
Legal Description	LOT 22 0.77317 AC ONVILLE ESTATES PM170000110
Legal Subdivision	ONVILLE ESTATES
Legal Lot Number	22
Jurisdiction	STAFFORD VA
Township / Civil Division	GRIFFIS-WIDEWATER
Census Block Group	1
Census Block	1010
Census Tract	10206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	34 OAK RD, STAFFORD, VA 22556-3864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 24, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NVR MTG FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2019 · Amount on Record
Deed Sale	Sep 24, 2019 · Amount on Record
Prior Sale	May 29, 2019 · Amount on Record
Deed Document Number	190016869
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	34 OAK RD, STAFFORD, VA 22556-3864
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220018591
Date	Sep 15, 2022
Instrument	220018591

Lender

Name	PNC BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 26, 2062

Interest

Rate Type	Adjustable Rate

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	STAFFORD VA
Recording Date	Sep 24, 2019
Property Address	34 OAK RD, STAFFORD, VA 22556-3864
Document Number	190016869
Instrument Date	Sep 16, 2019
Instrument	16869
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.05
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 OAK RD STAFFORD VA 225563864, STAFFORD, VA 22556-3864

Mortgage

Document Number	190016870
Date	Sep 24, 2019
Instrument	16870

Lender

Name	NVR MTG FIN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$7,441.00 (+1.68%)	$794,400 (+2.58%) Land $195,000 Building $599,400	$794,400 (+2.58%) Land $195,000 Building $599,400
2023	$7,318.00 (+18.86%)	$774,400 Land $175,000 Building $599,400	$774,400 Land $175,000 Building $599,400
2021	$6,157.00

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 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	1 in force
Nearby Flood Claims	3 (2003–2019)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2019 · 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 Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% 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	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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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