528 Cropp Rd, Fredericksburg, VA 22406 Property Records

Stafford County property record for 528 Cropp Rd, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1980
Lot Size	1 acres (43,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Mar 2019)
Tax Bill	$3,404 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16A-2-12`

Property Details

APN / Parcel Number

Primary APN	`16A-2-12`
Alternative APNs	`016A 2 12` `1493`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
Basement Area	1,400 sqft
Finished Basement	1,190 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,908 sqft (1 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Fence	Fence
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1493
Old Parcel Number	016A 2 12
Street Address	528 CROPP RD
City	FREDERICKSBURG
State	VA
Zip	22406-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1- AG MIN 3AC
Legal Description	LOT 12 SEC 2 1.008 AC LAURELWOOD
Legal Subdivision	LAURELWOOD
Legal Lot Number	12
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	1
Census Block	1002
Census Tract	10301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	528 CROPP RD, FREDERICKSBURG, VA 22406-4609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2020	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Mar 8, 2019	Warranty Deed, Transfer · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2019 · Amount on Record
Deed Sale	Mar 8, 2019 · Amount on Record
Prior Sale	Oct 30, 2014 · Amount on Record
Deed Document Number	190003251
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	528 CROPP RD, FREDERICKSBURG, VA 22406-4609
Document Number	200012639
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CROPP RD FREDERICKSBURG VA 224064609, FREDERICKSBURG, VA 22406-4609

Mortgage

Document Number	200012639
Date	Jun 8, 2020
Instrument	12639

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Mar 8, 2019
Property Address	528 CROPP RD, FREDERICKSBURG, VA 22406-4609
Document Number	190003251
Instrument Date	Mar 1, 2019
Instrument	3251
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CROPP RD FREDERICKSBURG VA 224064609, FREDERICKSBURG, VA 22406-4609

Mortgage

Document Number	190003252
Date	Mar 8, 2019
Instrument	3252

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2049

Interest

Rate Type	Fixed Rate

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	$3,404.00 (+16.58%)	$363,500 (+17.64%) Land $110,000 Building $253,500	$363,500 (+17.64%) Land $110,000 Building $253,500
2023	$2,920.00 (+22.02%)	$309,000 Land $90,000 Building $219,000	$309,000 Land $90,000 Building $219,000
2021	$2,393.00

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	3 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Virginia Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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