48 Baldwin Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 48 Baldwin Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,074 sqft · built 1996
Lot Size	0.301 acres (13,125 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,669 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44L-8-104`

Property Details

APN / Parcel Number

Primary APN	`44L-8-104`
Alternative APNs	`044L 8 104` `26812`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,074 sqft Living Area
Basement Area	1,690 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	French
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,125 sqft (0.301 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	26812
Old Parcel Number	044L 8 104
Street Address	48 BALDWIN DR
City	FREDERICKSBURG
State	VA
Zip	22406-6264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 104 SEC 8 13125 SQFT CARDINAL FOREST
Legal Subdivision	CARDINAL FOREST
Legal Lot Number	104
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3000
Census Tract	10305

Owner

Source: Stafford County records, as of November 17, 2025

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	48 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 8, 2018	Grant Deed, Transfer · FHA Mortgage BANK OF AMERICA
Apr 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage PATENT & TRADEMARK OFFICE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022
Deed Sale	Dec 21, 2022
Deed Document Number	220000436W
Prior Transfer Date	Feb 8, 2018
Prior Transfer Doc	180002089
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	48 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Document Number	200004949
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BALDWIN DR FREDERICKSBURG VA 224066264, FREDERICKSBURG, VA 22406-6264

Mortgage

Document Number	200004949
Date	Mar 6, 2020
Instrument	4949

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

Interest

Rate Type	Fixed Rate

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STAFFORD VA
Recording Date	Feb 8, 2018
Property Address	48 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Document Number	180002089
Instrument Date	Feb 5, 2018
Instrument	2089
Transaction Type	Transfer
Record Updated	Apr 28, 2020
Title Company	BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48 BALDWIN DR FREDERICKSBURG VA 224066264, FREDERICKSBURG, VA 22406-6264

Mortgage

Document Number	180002090
Date	Feb 8, 2018
Instrument	2090

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	48 BALDWIN DR, FREDERICKSBURG, VA 22406-6264
Document Number	170007823
Instrument Date	Apr 6, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BALDWIN DR FREDERICKSBURG VA 224066264, FREDERICKSBURG, VA 22406-6264

Mortgage

Document Number	170007823
Date	May 4, 2017
Instrument	7823

Lender

Name	PATENT & TRADEMARK OFFICE FCU
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 3, 2022

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 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	$4,669.00 (+9.42%)	$498,500 (+10.39%) Land $130,000 Building $368,500	$498,500 (+10.39%) Land $130,000 Building $368,500
2023	$4,267.00 (+19.73%)	$451,600 Land $125,000 Building $326,600	$451,600 Land $125,000 Building $326,600
2021	$3,564.00

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	2 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

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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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