45 Denison St, Fredericksburg, VA 22406 Property Records

Stafford County property record for 45 Denison St, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,476 sqft · built 2011
Lot Size	0.133 acres (5,810 sqft)
Owner	Individual Name on File
Last Sale	$319,900 (Sep 2020)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44CC-4C-273`

Property Details

APN / Parcel Number

Primary APN	`44CC-4C-273`
Alternative APNs	`044CC 4C 273` `47981`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	1,916 sqft
1st Floor Area	1,476 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,810 sqft (0.133 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	47981
Street Address	45 DENISON ST
City	FREDERICKSBURG
State	VA
Zip	22406-5457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RBC
Legal Description	LOT 273 SEC 4C 5808 SQFT CELEBRATE VIRGINIA NORTH
Legal Subdivision	CELEBRATE VIRGINIA NORTH SEC 4C
Legal Block	2
Legal Lot Number	273
Jurisdiction	STAFFORD VA
Township / Civil Division	GEORGE WASHINGTON
Census Block Group	2
Census Block	2030
Census Tract	10307

Owner

45 Denison St is owned and occupied by an individual who acquired it in July 2021.

Source: Stafford County records, as of August 25, 2025

Owner of Record	Individual Name on File
Mailing Address	45 DENISON ST, FREDERICKSBURG, VA 22406-5457
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Intrafamily Transfer, Transfer · VA Mortgage FORTHRIGHT FUNDING CORPORATION
Sep 21, 2020	Warranty Deed, Transfer · VA Mortgage PRESIDENTIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Aug 1, 2011 · Amount on File
Deed Document Number	202024058
Last Transfer Date	Jul 10, 2021
Transfer Doc	0000040988
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STAFFORD VA
Recording Date	Dec 13, 2021
Property Address	45 DENISON ST, FREDERICKSBURG, VA 22406-5457
Document Number	0210040988
Instrument Date	Jul 10, 2021
Instrument	210040988
Transaction Type	Transfer
Record Updated	Jan 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 DENISON ST, FREDERICKSBURG, VA 22406-5457

Mortgage

Document Number	0210040989
Date	Dec 13, 2021
Instrument	210040989

Lender

Name	FORTHRIGHT FUNDING CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Sep 21, 2020
Property Address	45 DENISON ST, FREDERICKSBURG, VA 22406-5457
Document Number	200024058
Instrument Date	Sep 16, 2020
Instrument	24058
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 DENISON ST FREDERICKSBURG VA 224065457, FREDERICKSBURG, VA 22406-5457

Mortgage

Document Number	200024059
Date	Sep 21, 2020
Instrument	24059

Lender

Name	PRESIDENTIAL BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 45 Denison St was $3,422, up 3.3% from the year before.

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	$3,422.00 (+3.29%)	$365,400 Land $130,000 Building $235,400	$365,400 Land $130,000 Building $235,400
2024	$3,313.00 (+2.57%)
2023	$3,230.00	$341,900 Land $120,000 Building $221,900	$341,900 Land $120,000 Building $221,900
2021	$2,549.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Denison St in Zone X, an area of minimal flood risk.

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 File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 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

Wildfire risk around 45 Denison St is low, with a 0.01% annual chance of 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile, Xfinity.

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