538 Cropp Rd, Fredericksburg, VA 22406 Property Records

Stafford County property record for 538 Cropp Rd, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1981
Lot Size	0.987 acres (43,001 sqft)
Owner	2 Individual Names on File
Last Sale	$334,885 (Sep 2021)
Tax Bill	$2,702 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16A-2-14`

Property Details

APN / Parcel Number

Primary APN	`16A-2-14`
Alternative APNs	`016A 2 14` `1495`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,272 sqft
1st Floor Area	1,152 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,001 sqft (0.987 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	248 sqft
Deck Area	134 sqft
Patio Area	134 sqft
Shed	1 Shed
Storage Building	Storage Building

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1495
Street Address	538 CROPP RD
City	FREDERICKSBURG
State	VA
Zip	22406-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 14 SEC 2 1 AC LAURELWOOD
Legal Subdivision	LAURELWOOD SEC 2
Legal Block	1
Legal Lot Number	14
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	1
Census Block	1002
Census Tract	10301

Owner

538 Cropp Rd is owned and occupied by two individuals who bought it in September 2021.

Source: Stafford County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	538 CROPP RD, FREDERICKSBURG, VA 22406-4609
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	Sep 10, 2009 · Amount on File
Deed Document Number	202131892
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	538 CROPP RD, FREDERICKSBURG, VA 22406-4609
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0260004170
Date	Mar 27, 2026
Instrument	260004170

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 26, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Sep 20, 2021
Property Address	538 CROPP RD, FREDERICKSBURG, VA 22406-4609
Document Number	210031892
Instrument Date	Sep 16, 2021
Instrument	210031892
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	MOBILITY TITLE, MOBILITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	538 CROPP RD, FREDERICKSBURG, VA 22406-4609

Mortgage

Document Number	210031893
Date	Sep 20, 2021
Instrument	210031893

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	323 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 538 Cropp Rd was $2,702, up 3.3% 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	$2,702.00 (+3.33%)	$288,500 Land $110,000 Building $178,500	$288,500 Land $110,000 Building $178,500
2024	$2,615.00 (+8.01%)
2023	$2,421.00	$256,200 Land $90,000 Building $166,200	$256,200 Land $90,000 Building $166,200
2021	$1,637.00

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

Flood

FEMA maps place 538 Cropp Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 538 Cropp 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.

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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