4 Charter Gate Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 4 Charter Gate Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,640 sqft · built 2008
Lot Size	0.276 acres (12,031 sqft)
Owner	Individual Name on Record
Last Sale	$598,777 (Feb 2026)
Tax Bill	$4,818 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44R-13-941`

Property Details

APN / Parcel Number

Primary APN	`44R-13-941`
Alternative APNs	`044R 13 941` `48761`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,640 sqft Living Area
Gross Area	4,340 sqft
Basement Area	1,220 sqft
Finished Basement	1,000 sqft
Unfinished Basement	220 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,031 sqft (0.276 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	48761
Street Address	4 CHARTER GATE DR
City	FREDERICKSBURG
State	VA
Zip	22406-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 941 SEC 13 12029 SQFT STAFFORD LAKES VILLAGE
Legal Subdivision	STAFFORD LAKES VILLAGE SEC 13
Legal Block	3
Legal Lot Number	941
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3013
Census Tract	10307

Owner

Source: Stafford County records, as of March 24, 2026

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	4 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Aug 21, 2013 · Amount on Record
Deed Document Number	20262766
Record Updated	Jun 8, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STAFFORD VA
Recording Date	Feb 27, 2026
Property Address	4 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Document Number	0260002766
Map Reference	DOC 70000213
Instrument Date	Feb 25, 2026
Instrument	260002766
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206

Mortgage

Document Number	0260002767
Date	Feb 27, 2026
Instrument	260002767

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of August 25, 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	$4,818.00 (+3.3%)	$514,400 (+9.19%) Land $130,000 Building $384,400	$514,400 (+9.19%) Land $130,000 Building $384,400
2024	$4,664.00 (+4.79%)
2023	$4,451.00 (+20.92%)	$471,100 Land $120,000 Building $351,100	$471,100 Land $120,000 Building $351,100
2021	$3,681.00

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force

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	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	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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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