4 McLaughlin St, Stafford, VA 22556 Property Records

Stafford County property record for 4 McLaughlin St, Stafford, VA 22556

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1987
Lot Size	0.324 acres (14,126 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Dec 2020)
Tax Bill	$3,395 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19D2-6-235`

Property Details

APN / Parcel Number

Primary APN	`19D2-6-235`
Alternative APNs	`019D2 6 235` `3956`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	1,664 sqft Living Area
Gross Area	2,256 sqft
1st Floor Area	1,592 sqft
Basement Area	1,092 sqft
Finished Basement	500 sqft
Unfinished Basement	592 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,126 sqft (0.324 acres)
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	3956
Street Address	4 MCLAUGHLIN ST
City	STAFFORD
State	VA
Zip	22556-1878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 235 SEC 6 14125 SQFT PHASE 2 VISTA WOODS
Legal Subdivision	PHASE 2 VISTA WOODS SEC 6
Legal Block	1
Legal Lot Number	235
Jurisdiction	STAFFORD VA
Township / Civil Division	ROCK HILL
Census Block Group	1
Census Block	1019
Census Tract	10205

Owner

4 McLaughlin St is owned and occupied by two individuals who bought it in December 2020.

Source: Stafford County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 MCLAUGHLIN ST, STAFFORD, VA 22556-1878
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on File
Deed Sale	Dec 22, 2020 · Amount on File
Deed Document Number	202035283
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Recording Date	Sep 17, 2026
Property Address	4 MCLAUGHLIN ST, STAFFORD, VA 22556-1878
Document Number	0000013784
Instrument Date	Aug 27, 2026
Instrument	202613784
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MCLAUGHLIN ST, STAFFORD, VA 22556-1878

Mortgage

Document Number	0000013784,
Date	Sep 17, 2026
Instrument	202613784

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4 McLaughlin St was $3,395, up 1.6% from the year before.

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	$3,395.00 (+1.65%)	$368,400 Land $120,000 Building $248,400	$368,400 Land $120,000 Building $248,400
2024	$3,340.00 (+8.02%)
2023	$3,092.00	$327,200 Land $110,000 Building $217,200	$327,200 Land $110,000 Building $217,200
2021	$2,551.00

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

Flood

FEMA maps place 4 McLaughlin St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2018 · 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 4 McLaughlin 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	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 337 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 / 250