Stafford County property record for 45 Edgewater Dr, Fredericksburg, VA 22406
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,254 sqft · built 2016 |
| Lot Size | 3.03 acres (132,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $717,921 (Mar 2016) |
| Tax Bill | $187 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 44KK-21 |
| Primary APN | 44KK-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,254 sqft Living Area |
| Basement Area | 2,444 sqft |
| Finished Basement | 816 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 132,100 sqft (3.03 acres) |
| Garage Type | Attached |
| Garage Area | 858 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 384 sqft |
| Deck Area | 400 sqft |
| Fence | Fence |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Account Number | 53659 |
|---|---|
| Street Address | 45 EDGEWATER DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22406-5486 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1- AG MIN 3AC |
| Legal Description | LOT 21 3.03260 AC ESTATES AT ROCKY PEN PM140000123 |
| Legal Subdivision | ESTATES/ROCKY PEN |
| Legal Lot Number | 21 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | HARTWOOD |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 10307 |
45 Edgewater Dr is owned and occupied by two individuals who bought it in March 2016.
Source: Stafford County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2016 · Amount on File |
| Deed Sale | Mar 21, 2016 · Amount on File |
| Deed Document Number | 160004350 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 45 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210011642 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 210011642 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
The 2025 property tax bill for 45 Edgewater Dr was $187.
Source: Stafford County assessment roll, as of January 1, 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 | $187.00 | $1,003,800 Land $220,000 Building $783,800 | $1,003,800 Land $220,000 Building $783,800 |
| 2023 | $7,402.00 | $783,300 Land $175,000 Building $608,300 | $783,300 Land $175,000 Building $608,300 |
| 2021 | $6,944.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Edgewater Dr 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 10 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 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 risk around 45 Edgewater Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Cox Communications.
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