46 Hamstead Rd, Fredericksburg, VA 22405 Property Records

Stafford County property record for 46 Hamstead Rd, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,408 sqft · built 2003
Lot Size	0.184 acres (8,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (May 2024)
Tax Bill	$4,370 (2023)
Deeds & Mortgages	May 2026 Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`54EE-5-159`

Property Details

APN / Parcel Number

Primary APN	`54EE-5-159`
Alternative APNs	`054EE 5 159` `40940`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,408 sqft Living Area
Gross Area	5,140 sqft
Basement Area	1,488 sqft
Finished Basement	1,216 sqft
Unfinished Basement	272 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	460 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	40940
Street Address	46 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 159 SEC 5 8000 SQFT STRATFORD PLACE
Legal Subdivision	STRATFORD PLACE SEC 5
Legal Block	4
Legal Lot Number	159
Jurisdiction	STAFFORD VA
Township / Civil Division	FALMOUTH
Census Block Group	4
Census Block	4000
Census Tract	10405

Owner

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

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	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE
Sep 11, 2025	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 13, 2024	Warranty Deed, Transfer · Conventional Mortgage COASTAL LENDING GROUP LLC
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	Nov 28, 2007 · Amount on Record
Deed Document Number	20245305
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Recording Date	May 27, 2026
Property Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Document Number	0000007560
Instrument Date	May 19, 2026
Instrument	20267560
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838

Mortgage

Document Number	0000007560,
Date	May 27, 2026
Instrument	20267560

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	5.69%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838

Mortgage

Document Number	0250011952
Date	Sep 11, 2025
Instrument	250011952

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	May 13, 2024
Property Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Document Number	0240005305
Instrument Date	May 8, 2024
Instrument	240005305
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838

Mortgage

Document Number	0240005306
Date	May 13, 2024
Instrument	240005306

Lender

Name	COASTAL LENDING GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021210001617
Date	Jan 19, 2021
Instrument	210001617

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	290 Months
Due	Mar 1, 2045

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	46 HAMSTEAD RD, FREDERICKSBURG, VA 22405-1838
Document Number	170004399
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HAMSTEAD RD FREDERICKSBURG VA 224051838, FREDERICKSBURG, VA 22405-1838

Mortgage

Document Number	170004399
Date	Mar 8, 2017
Instrument	4399

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 7, 2037

Tax Assessment & Valuation

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		$510,200 (+10.31%) Land $125,000 Building $385,200	$510,200 (+10.31%) Land $125,000 Building $385,200
2023	$4,370.00 (+19.92%)	$462,500 Land $115,000 Building $347,500	$462,500 Land $115,000 Building $347,500
2021	$3,644.00

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	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

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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