40 Edgewater Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 40 Edgewater Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,294 sqft · built 2017
Lot Size	3.04 acres (132,474 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Aug 2026)
Tax Bill	$8,504 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`44KK-2`

Property Details

APN / Parcel Number

Primary APN	`44KK-2`
Alternative APN	`53640`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,294 sqft Living Area
Gross Area	7,038 sqft
Basement Area	2,194 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	132,474 sqft (3.04 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	53640
Street Address	40 EDGEWATER DR
City	FREDERICKSBURG
State	VA
Zip	22406-5486
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 2 3.04116 AC ESTATES AT ROCKY PEN PM140000123
Legal Subdivision	ESTATES AT ROCKY PEN
Legal Block	3
Legal Lot Number	2
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3003
Census Tract	10307

Owner

40 Edgewater Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Stafford County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE
Jun 6, 2023	Warranty Deed, Transfer · VA Mortgage CORNERSTONE HOME LENDING
Sep 29, 2022	Intrafamily Transfer, Transfer
Dec 11, 2018	Deed of Trust, Mortgage · Closed-End Mortgage PENTAGON FEDERAL CREDIT UNION
Aug 30, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE LLC
Oct 20, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FIRST EQUITY MTG
Nov 16, 2017	Correction Deed, Subdivision Related Transfer TERRY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Jun 6, 2023 · Amount on File
Deed Document Number	202612925
Prior Transfer Date	Sep 28, 2022
Prior Transfer Doc	0000019369
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Aug 28, 2026
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	0000012925
Instrument Date	Aug 28, 2026
Instrument	202612925
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486

Mortgage

Document Number	0000012926,
Date	Aug 28, 2026
Instrument	202612926

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Jun 6, 2023
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	0230006633
Instrument Date	Jun 2, 2023
Instrument	230006633
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	EVERGREEN SETTLEMENT COMPANY, EVERGREEN SETTLEMENT CO INC

Transaction

Amount	Amount on Record
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	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486

Mortgage

Document Number	0230006634
Date	Jun 6, 2023
Instrument	230006634

Lender

Name	CORNERSTONE HOME LENDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	479 Months
Due	May 1, 2063

Interest

Rate Type	Fixed Rate

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STAFFORD VA
Recording Date	Sep 29, 2022
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	0220019369
Instrument Date	Sep 28, 2022
Instrument	220019369
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180020482
Date	Dec 11, 2018
Instrument	180020482

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	179 Months
Due	Nov 20, 2033

Interest

Rate Type	Fixed Rate
Rate	6.84%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Aug 30, 2022
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	0220017704
Instrument Date	Aug 26, 2022
Instrument	220017704
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486

Mortgage

Document Number	0220017705
Date	Aug 30, 2022
Instrument	220017705

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	778 Months
Due	Jun 15, 2087

Interest

Rate Type	Fixed Rate
Rate	6.06%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	STAFFORD VA
Recording Date	Oct 20, 2017
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	170019064
Instrument Date	Oct 19, 2017
Instrument	19064
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	STEWART TITLE, STEWART TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$683.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 EDGEWOOD CIR FREDERICKSBURG VA 22405, FREDERICKSBURG, VA 22405

Mortgage

Document Number	170019065
Date	Oct 20, 2017
Instrument	19065

Lender

Name	FIRST EQUITY MTG
Type	Mortgage Company
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2047

November 2017: Correction Deed, Subdivision Related Transfer

Document Type	Correction Deed
Jurisdiction	STAFFORD VA
Recording Date	Nov 16, 2017
Property Address	40 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	170020703
Instrument Date	Oct 19, 2017
Instrument	20703
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	TERRY TITLE

Transaction

Amount	Amount on Record
Tax	$683.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 EDGEWATER DR FREDERICKSBURG VA 22406, FREDERICKSBURG, VA 22406

Tax Assessment & Valuation

The 2025 property tax bill for 40 Edgewater Dr was $8,504.

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	$8,504.00	$922,700 Land $220,000 Building $702,700	$922,700 Land $220,000 Building $702,700
2023	$6,856.00	$725,600 (-) Land $175,000 Building $550,600	$725,600 (-) Land $175,000 Building $550,600
2022		$725,600 Land $175,000 Building $550,600	$725,600 Land $175,000 Building $550,600
2021	$6,684.00

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

Flood

FEMA maps place 40 Edgewater Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 40 Edgewater Dr 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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