40 Stacy Ln, Fredericksburg, VA 22406 Property Records

Stafford County property record for 40 Stacy Ln, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,032 sqft · built 2003
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (May 2026)
Tax Bill	$6,820 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45J-3-20`

Property Details

APN / Parcel Number

Primary APN	`45J-3-20`
Alternative APNs	`045J 3 20` `28554`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,032 sqft Living Area
Gross Area	4,472 sqft
Basement Area	1,040 sqft
Finished Basement	1,040 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	184 sqft
Deck Area	492 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28554
Street Address	40 STACY LN
City	FREDERICKSBURG
State	VA
Zip	22406-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 20 SEC 3 10.0000 AC BUTTERFIELD SUBDIVISION
Legal Subdivision	BUTTERFIELD SUBDIVISION SEC 3
Legal Block	1
Legal Lot Number	20
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	1
Census Block	1014
Census Tract	10305

Owner

Source: Stafford County records, as of June 1, 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 Record
Mailing Address	40 STACY LN, FREDERICKSBURG, VA 22406-5211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed, Transfer · VA Mortgage EMBRACE HOME LOANS
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage IXONIA BANK
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LNDG
Oct 14, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 11, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Mar 21, 2022 · Amount on Record
Deed Document Number	20267060
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STAFFORD VA
Recording Date	May 19, 2026
Property Address	40 STACY LN, FREDERICKSBURG, VA 22406-5211
Document Number	0000007060
Instrument Date	May 13, 2026
Instrument	20267060
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$90,900.00
Amount Accuracy	Calculated from Transfer Tax
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 STACY LN, FREDERICKSBURG, VA 22406-5211

Mortgage

Document Number	0000007063,
Date	May 19, 2026
Instrument	20267063

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Mar 21, 2022
Property Address	40 STACY LN, FREDERICKSBURG, VA 22406-5211
Document Number	0220006248
Instrument Date	Mar 18, 2022
Instrument	220006248
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	RATIFIED TITLE GROUP INC

Transaction

Amount	Amount Recorded
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 STACY LN, FREDERICKSBURG, VA 22406-5211

Mortgage

Document Number	0220006249
Date	Mar 21, 2022
Instrument	220006249

Lender

Name	IXONIA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	40 STACY LN, FREDERICKSBURG, VA 22406-5211
Document Number	200026329
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 STACY LN FREDERICKSBURG VA 224065211, FREDERICKSBURG, VA 22406-5211

Mortgage

Document Number	200026329
Date	Oct 8, 2020
Instrument	26329

Lender

Name	NATIONS LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2050

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	40 STACY LN, FREDERICKSBURG, VA 22406-5211
Document Number	190018857
Instrument Date	Oct 14, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 STACY LN FREDERICKSBURG VA 224065211, FREDERICKSBURG, VA 22406-5211

Mortgage

Document Number	190018857
Date	Oct 21, 2019
Instrument	18857

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

Interest

Rate Type	Fixed Rate
Rate	2.88%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	40 STACY LN, FREDERICKSBURG, VA 22406-5211
Document Number	180000859
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 24, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 STACY LN FREDERICKSBURG VA 224065211, FREDERICKSBURG, VA 22406-5211

Mortgage

Document Number	180000859
Date	Jan 18, 2018
Instrument	859

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

Interest

Rate	3.37%

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	$6,820.00 (+5.69%)	$740,000 (+8.36%) Land $170,000 Building $570,000	$740,000 (+8.36%) Land $170,000 Building $570,000
2023	$6,453.00 (+19.15%)	$682,900 Land $165,000 Building $517,900	$682,900 Land $165,000 Building $517,900
2021	$5,416.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2008 · tidal / storm surge

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	0.02% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Cox Communications Cable	2,000 / 35

May also be available: Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Stacy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures