38 Rita Ln, Fredericksburg, VA 22405 Property Records

Stafford County property record for 38 Rita Ln, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,769 sqft · built 1999
Lot Size	3.32 acres (144,924 sqft)
Owner	2 Individual Names on File
Last Sale	$188,538 (Apr 2001)
Tax Bill	$3,952 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46F-2-2`

Property Details

APN / Parcel Number

Primary APN	`46F-2-2`
Alternative APNs	`046F 2 2` `29744`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,769 sqft Living Area
Basement Area	840 sqft
Finished Basement	660 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	144,924 sqft (3.32 acres)
Garage Type	Mixed
Garage Area	1,328 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	302 sqft
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	29744
Old Parcel Number	046F 2 2
Street Address	38 RITA LN
City	FREDERICKSBURG
State	VA
Zip	22405-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1- AG MIN 3AC
Legal Description	LOT 2 SEC 2 3.327 AC NORTH POTOMAC SUBDIVISION
Legal Subdivision	NORTH POTOMAC SUB
Legal Lot Number	2
Jurisdiction	STAFFORD VA
Township / Civil Division	FALMOUTH
Census Block Group	2
Census Block	2000
Census Tract	10403

Owner

Source: Stafford County records · APN 46F-2-2

Assessment roll updated January 1, 2025 · Last verified November 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	38 RITA LN, FREDERICKSBURG, VA 22405-1768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 01, 2026	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CTRL FEDERAL CREDIT UNION
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2001 · Amount on Record
Deed Sale	Apr 01, 2001 · Amount on Record
Deed Document Number	10006640
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Recording Date	Jun 01, 2026
Property Address	38 RITA LN, FREDERICKSBURG, VA 22405-1768
Document Number	0000007776
Instrument Date	May 23, 2026
Instrument	20267776
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	38 RITA LN, FREDERICKSBURG, VA 22405-1768

Mortgage

Document Number	0000007776,
Date	Jun 01, 2026
Instrument	20267776

Lender

Name	VIRGINIA CTRL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 05, 2046

Interest

Rate Type	Fixed Rate
Rate	8%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	38 RITA LN, FREDERICKSBURG, VA 22405-1768
Document Number	210001293
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 02, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 RITA LN FREDERICKSBURG VA 224051768, FREDERICKSBURG, VA 22405-1768

Mortgage

Document Number	210001293
Date	Jan 14, 2021
Instrument	1293

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 13, 2036

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Stafford County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Stafford County
Unified School District	Stafford County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,952.00 (-0.38%)	$422,000 (+0.52%) Land $115,000 Building $307,000	$422,000 (+0.52%) Land $115,000 Building $307,000
2023	$3,967.00 (+21.46%)	$419,800 Land $110,000 Building $309,800	$419,800 Land $110,000 Building $309,800
2021	$3,266.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 42 locations within half a mile of this property.

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