Stafford County property record for 408 Ferry Rd, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,232 sqft · built 1990 |
| Lot Size | 0.403 acres (17,537 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $149,900 (Jun 1998) |
| Tax Bill | $3,781 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54V-2-34 |
| Primary APN | 54V-2-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,232 sqft Living Area |
| Gross Area | 2,760 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,537 sqft (0.403 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 384 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 36616 |
|---|---|
| Street Address | 408 FERRY RD |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 34 SEC 2 17537 SQFT BLYTHEDALE SUBDIVISION |
| Legal Subdivision | BLYTHEDALE SUBDIVISION SEC 2 |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 10406 |
Source: Stafford County records, as of August 17, 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 | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Sep 28, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Oct 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| May 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Oct 15, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 1998 · Amount on Record |
| Deed Sale | Jun 24, 1998 · Amount on Record |
| Deed Book / Page | 98000 / 11411 |
| Last Transfer Date | Oct 6, 2021 |
| Transfer Doc | 0000034663 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Aug 3, 2026 |
| Property Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Document Number | 0000011517 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202611517 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Document Number | 0000011517, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 202611517 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230011932 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 230011932 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210034664 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 210034664 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180007873 |
|---|---|
| Date | May 15, 2018 |
| Instrument | 180007873 |
| Name | QUICKEN LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.38% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Oct 15, 2021 |
| Property Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Document Number | 210034663 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 210034663 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 FERRY RD, FREDERICKSBURG, VA 22405-2913 |
| Document Number | 0210034664 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 210034664 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $3,781.00 (+8.31%) | $410,300 (+11.04%) Land $120,000 Building $290,300 | $410,300 (+11.04%) Land $120,000 Building $290,300 |
| 2023 | $3,491.00 (+23.66%) | $369,500 Land $105,000 Building $264,500 | $369,500 Land $105,000 Building $264,500 |
| 2021 | $2,823.00 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 14 (1989–2018) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | Jun 2018 · river or lake flooding |
| Claims by Event |
|
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 97% of the US · lower than 98.4% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 131 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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