45 Hamstead Rd, Fredericksburg, VA 22405 Property Records

Stafford County property record for 45 Hamstead Rd, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,652 sqft · built 2003
Lot Size	0.184 acres (8,001 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (May 2026)
Tax Bill	$4,494 (2025)
Deeds & Mortgages	Mar 2022 Refinance May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54EE-5-170`

Property Details

APN / Parcel Number

Primary APN	`54EE-5-170`
Alternative APNs	`054EE 5 170` `40951`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,652 sqft Living Area
Gross Area	4,729 sqft
Basement Area	1,325 sqft
Finished Basement	675 sqft
Unfinished Basement	650 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,001 sqft (0.184 acres)
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	40951
Street Address	45 HAMSTEAD RD
City	FREDERICKSBURG
State	VA
Zip	22405-1838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 170 SEC 5 8000 SQFT STRATFORD PLACE
Legal Subdivision	STRATFORD PLACE SEC 5
Legal Block	4
Legal Lot Number	170
Jurisdiction	STAFFORD VA
Township / Civil Division	FALMOUTH
Census Block Group	4
Census Block	4000
Census Tract	10405

Owner

45 Hamstead Rd is owned and occupied by an individual who bought it in May 2026.

Source: Stafford County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	45 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Mar 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
May 28, 2026	Deed, Transfer · Conventional Mortgage CAPTIAL CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Oct 8, 2003 · Amount on File
Deed Document Number	20267614
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	45 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006769
Date	Mar 28, 2022
Instrument	220006769

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STAFFORD VA
Recording Date	May 28, 2026
Property Address	45 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Document Number	0000007614
Instrument Date	May 22, 2026
Instrument	20267614
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,095.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838

Mortgage

Document Number	0000007615,
Date	May 28, 2026
Instrument	20267615

Lender

Name	CAPTIAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Hamstead Rd was $4,494, up 1.7% 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	$4,494.00 (+1.65%)	$487,600 Land $125,000 Building $362,600	$487,600 Land $125,000 Building $362,600
2024	$4,421.00 (+5.87%)
2023	$4,176.00	$442,000 Land $115,000 Building $327,000	$442,000 Land $115,000 Building $327,000
2021	$3,476.00

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

Flood

FEMA maps place 45 Hamstead Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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	6 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2009 · rainfall accumulation

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 Hamstead Rd 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	Direct burnable vegetation

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 182 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

Cell Coverage

5G (outdoors only) and 4G LTE

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