Stafford County property record for 405 Pepperidge Dr, Stafford, VA 22554
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,929 sqft · built 2022 |
| Lot Size | 0.146 acres (6,377 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $752,688 (Mar 2022) |
| Tax Bill | $5,925 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2023 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29G-11-1426 |
| Primary APN | 29G-11-1426 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,929 sqft Living Area |
| Gross Area | 4,611 sqft |
| Basement Area | 1,338 sqft |
| Finished Basement | 1,118 sqft |
| Unfinished Basement | 220 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,377 sqft (0.146 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 60049 |
|---|---|
| Street Address | 405 PEPPERIDGE DR |
| City | STAFFORD |
| State | VA |
| Zip | 22554-6871 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD2 |
| Legal Description | LOT 1426 SEC 11 6378 SQFT PHASE 2A EMBREY MILL PM200000104 |
| Legal Subdivision | EMBREY MILL SEC 11 PHASE 2A |
| Legal Block | 1 |
| Legal Lot Number | 1426 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GARRISONVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10210 |
Source: Stafford County records, as of June 9, 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 | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Nov 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Jun 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Mar 30, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACADEMY MORTGAGE CORPORATION |
| Aug 31, 2021 | Special Warranty Deed, Transfer PREMIER TITLE/KS INC, PREMIER TITLE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2022 · Amount on Record |
| Deed Sale | Mar 30, 2022 · Amount on Record |
| Prior Sale | Aug 31, 2021 · Amount on Record |
| Deed Document Number | 20227062 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | May 27, 2026 |
| Property Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Document Number | 0000007532 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 20267532 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Document Number | 0000007532, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20267532 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 1, 2066 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0230014086 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 230014086 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0230007310 |
|---|---|
| Date | Jun 20, 2023 |
| Instrument | 230007310 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Mar 30, 2022 |
| Property Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Document Number | 0220007062 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 220007062 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 13, 2022 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & STLMNTS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Document Number | 0220007063 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 220007063 |
| Name | ACADEMY MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 1, 2062 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Aug 31, 2021 |
| Property Address | 405 PEPPERIDGE DR, STAFFORD, VA 22554-6871 |
| Document Number | 0210029636 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 210029636 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2022 |
| Title Company | PREMIER TITLE/KS INC, PREMIER TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12220 SUNRISE VALLEY DR, RESTON, VA 20191-5600 |
| Investor | Possibly a Property Investor |
Source: Stafford County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Stafford County |
| Unified School District | Stafford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,925.00 (+4.53%) | $642,900 (+7.19%) Land $205,000 Building $437,900 | $642,900 (+7.19%) Land $205,000 Building $437,900 |
| 2023 | $5,668.00 (+1,360.82%) | $599,800 Land $185,000 Building $414,800 | $599,800 Land $185,000 Building $414,800 |
| 2021 | $388.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 3 (2016–2019) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 2019 · river or lake flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 205 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 / 2,000 |
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