414 Smith St, Fredericksburg, VA 22405 Property Records

Stafford County property record for 414 Smith St, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1973
Lot Size	0.573 acres (25,003 sqft)
Owner	2 Owner Names on File
Tax Bill	$2,586 (2025)
Deeds & Mortgages	Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`47B-1-5`

Property Details

APN / Parcel Number

Primary APN	`47B-1-5`
Alternative APNs	`047B 1 5` `30613`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Finished Basement	480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,003 sqft (0.573 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	638 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	30613
Old Parcel Number	047B 1 5
Street Address	414 SMITH ST
City	FREDERICKSBURG
State	VA
Zip	22405-6106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2- RURAL RES
Legal Description	LOT 5 SEC 1 .574 AC POTOMAC SUBDIVISION
Legal Subdivision	POTOMAC SUB
Legal Lot Number	5
Jurisdiction	STAFFORD VA
Township / Civil Division	FALMOUTH
Census Block Group	2
Census Block	2000
Census Tract	10403

Owner

Source: Stafford County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	414 SMITH ST, FREDERICKSBURG, VA 22405-6106
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Prior Sale	May 1, 2002 · Amount on Record
Last Transfer Date	Jan 30, 2007
Transfer Doc	070001444
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	414 SMITH ST, FREDERICKSBURG, VA 22405-6106
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	TANDEM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210031874
Date	Sep 20, 2021
Instrument	210031874

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 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	$2,586.00 (+3.11%)	$276,100 (+4.03%) Land $95,000 Building $181,100	$276,100 (+4.03%) Land $95,000 Building $181,100
2023	$2,508.00 (+26.79%)	$265,400 Land $90,000 Building $175,400	$265,400 Land $90,000 Building $175,400
2021	$1,978.00

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

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 at the parcel

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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith St

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