45 Baldwin Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 45 Baldwin Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,264 sqft · built 1995
Lot Size	0.346 acres (15,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Nov 2020)
Tax Bill	$4,239 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44L-8-119`

Property Details

APN / Parcel Number

Primary APN	`44L-8-119`
Alternative APNs	`044L 8 119` `26827`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,264 sqft Living Area
Basement Area	1,290 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	218 sqft
Deck Area	153 sqft
Patio Area	153 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	26827
Old Parcel Number	044L 8 119
Street Address	45 BALDWIN DR
City	FREDERICKSBURG
State	VA
Zip	22406-6264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 119 SEC 8 15073 SQFT CARDINAL FOREST
Legal Subdivision	CARDINAL FOREST
Legal Lot Number	119
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3001
Census Tract	10305

Owner

Source: Stafford County records, as of November 17, 2025

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	45 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Feb 26, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL MORTGAGE FUNDING LLC
Mar 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITY LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Deed Document Number	200032140
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	45 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BALDWIN DR, FREDERICKSBURG, VA 22406-6264

Mortgage

Document Number	0250012937
Date	Oct 1, 2025
Instrument	250012937

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	45 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240001950
Date	Feb 26, 2024
Instrument	240001950

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	45 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230005896
Date	May 22, 2023
Instrument	230005896

Lender

Name	CENTRAL MORTGAGE FUNDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	45 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	THE AMERICAN TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006839
Date	Mar 28, 2022
Instrument	220006839

Lender

Name	CITY LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.88%

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	$4,239.00 (+11.14%)	$452,600 (+12.11%) Land $130,000 Building $322,600	$452,600 (+12.11%) Land $130,000 Building $322,600
2023	$3,814.00 (+22.48%)	$403,700 Land $125,000 Building $278,700	$403,700 Land $125,000 Building $278,700
2021	$3,114.00

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	2 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	0.01% 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.

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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