3814 Lancaster Ring Rd, Fredericksburg, VA 22408 Property Records

Spotsylvania County property record for 3814 Lancaster Ring Rd, Fredericksburg, VA 22408 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,687 sqft · built 1999
Lot Size	0.271 acres (11,794 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Dec 2023)
Tax Bill	$3,303 (2026)
Deeds & Mortgages	Aug 2021 Refinance Dec 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`050A 6-223`

Property Details

APN / Parcel Number

Primary APN	`050A 6-223`
Alternative APN	`50A-6-223`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,687 sqft Finished Area
Basement Area	840 sqft
Unfinished Basement	740 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	11,794 sqft (0.271 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	432 sqft
Deck Area	320 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3814 LANCASTER RING RD
City	FREDERICKSBURG
State	VA
Zip	22408-8791
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER GATE LOT 223 SEC 4
Legal Subdivision	LANCASTER GATE
Legal Lot Number	223
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1001
Census Tract	20207

Owner

Source: Spotsylvania County records · APN 050A 6-223

Assessment roll updated August 11, 2026 · Last verified August 2026

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	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOW VA RATES LLC
Dec 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOW VA RATES LLC
Aug 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Dec 28, 2023	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE LLC
Jul 14, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Jul 02, 2019	Warranty Deed, Transfer · VA Mortgage MCLEAN MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Jul 02, 2019 · Amount on Record
Deed Document Number	202317105
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Transaction Type	Mortgage
Record Updated	May 08, 2026
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210025833
Date	Aug 26, 2021
Instrument	210025833

Lender

Name	LOW VA RATES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Transaction Type	Mortgage
Record Updated	May 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220024087
Date	Dec 30, 2022
Instrument	220024087

Lender

Name	LOW VA RATES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Jan 01, 2051

Interest

Rate Type	Fixed Rate
Rate	5.75%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Transaction Type	Mortgage
Record Updated	May 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240011466
Date	Aug 20, 2024
Instrument	240011466

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2054

Interest

Rate Type	Fixed Rate

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Dec 28, 2023
Property Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Document Number	0230017105
Instrument Date	Dec 21, 2023
Instrument	230017105
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791

Mortgage

Document Number	0230017106
Date	Dec 28, 2023
Instrument	230017106

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Document Number	202000015159
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 LANCASTER RING RD FREDERICKSBURG VA 224088791, FREDERICKSBURG, VA 22408-8791

Mortgage

Document Number	202000015159
Date	Jul 20, 2020
Instrument	15159

Lender

Name	LOW VA RATES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jul 02, 2019
Property Address	3814 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791
Document Number	201900010291
Instrument Date	Jun 27, 2019
Instrument	10291
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 LANCASTER RING RD FREDERICKSBURG VA 224088791, FREDERICKSBURG, VA 22408-8791

Mortgage

Document Number	201900010292
Date	Jul 02, 2019
Instrument	10292

Lender

Name	MCLEAN MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Spotsylvania County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Spotsylvania County
Unified School District	Spotsylvania 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
2026	$3,303.00 (+27.09%)	$448,000 (+33.02%) Land $160,000 Building $288,000
2025			$448,000 (+33.02%) Land $160,000 Building $288,000
2023	$2,599.00	$336,800 Land $100,000 Building $236,800	$336,800 Land $100,000 Building $236,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Spotsylvania County (51177C), updated May 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511770202071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 140 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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