Stafford County property record for 45 Point Cir, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,592 sqft · built 2017 |
| Lot Size | 4.44 acres (193,398 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $559,900 (May 2017) |
| Tax Bill | $6,129 (2025) |
| Deeds & Mortgages | May 2017 Sale & Mortgage Apr 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 60F-2-19 |
| Primary APN | 60F-2-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,592 sqft Living Area |
| Basement Area | 1,886 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 193,398 sqft (4.44 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 148 sqft |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Account Number | 53188 |
|---|---|
| Street Address | 45 POINT CIR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-2897 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1- AG MIN 3AC |
| Legal Description | LOT 19 SEC 2 4.4398 AC RIVER CREEK PM140000058 |
| Legal Subdivision | RIVER CRK SUB SEC 2 |
| Legal Lot Number | 19 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10504 |
45 Point Cir is owned and occupied by two individuals who bought it in May 2017.
Source: Stafford County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 POINT CIR, FREDERICKSBURG, VA 22405-2897 |
| 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.
| Date | Document |
|---|---|
| May 9, 2017 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage C&F MTG |
| Apr 6, 2017 | Loan Modification, Mortgage · Line of Credit UNION BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2017 · Amount on File |
| Deed Sale | May 9, 2017 · Amount on File |
| Deed Document Number | 170008096 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | May 9, 2017 |
| Property Address | 45 POINT CIR, FREDERICKSBURG, VA 22405-2897 |
| Document Number | 170008096 |
| Instrument Date | May 2, 2017 |
| Instrument | 8096 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $559.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 POINT CIR FREDERICKSBURG VA 22405, FREDERICKSBURG, VA 22405 |
| Document Number | 170008097 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 8097 |
| Name | C&F MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIDLOTHIAN, VA 23113 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | Apr 6, 2017 |
| Property Address | 45 POINT CIR, FREDERICKSBURG, VA 22405-2897 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 6189 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 170006189 |
|---|---|
| Date | Apr 6, 2017 |
| Instrument | 6189 |
| Name | UNION BK&TR |
|---|---|
| Type | Bank |
| Address | 4805 LASSEN LN, FREDERICKSBURG, VA 22408-4270 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Point Cir was $6,129.
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 | $6,129.00 | $654,400 Land $170,000 Building $484,400 | $654,400 Land $170,000 Building $484,400 |
| 2023 | $6,090.00 | $644,500 Land $140,000 Building $504,500 | $644,500 Land $140,000 Building $504,500 |
| 2021 | $5,031.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Point Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Jan 2021 · tidal / storm surge |
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 Point Cir 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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