55 Charter Gate Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 55 Charter Gate Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,984 sqft · built 2012
Lot Size	0.304 acres (13,281 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2020)
Tax Bill	$4,206 (2025)
Deeds & Mortgages	Mar 2022 Refinance May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44R-12B-917`

Property Details

APN / Parcel Number

Primary APN	`44R-12B-917`
Alternative APN	`51110`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,984 sqft Living Area
Basement Area	824 sqft
Finished Basement	824 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,281 sqft (0.304 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	15 sqft
Deck Area	380 sqft
Patio Area	380 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	51110
Street Address	55 CHARTER GATE DR
City	FREDERICKSBURG
State	VA
Zip	22406-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 917 SEC 12B 13281 SF STAFFORD LAKES VILLAGE
Legal Subdivision	STAFFORD LAKES VILLAGE
Legal Lot Number	917
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3011
Census Tract	10307

Owner

55 Charter Gate Dr is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
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 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
May 26, 2020	Grant Deed, Transfer · FHA Mortgage CAPITAL CTY HM LNS
Jan 22, 2020	Court-Ordered Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Jan 22, 2020 · Amount on File
Deed Document Number	200011315
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	55 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220005519
Date	Mar 11, 2022
Instrument	220005519

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STAFFORD VA
Recording Date	May 26, 2020
Property Address	55 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Document Number	200011315
Instrument Date	May 17, 2020
Instrument	11315
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CHARTER GATE DR FREDERICKSBURG VA 224068206, FREDERICKSBURG, VA 22406-8206

Mortgage

Document Number	200011316
Date	May 26, 2020
Instrument	11316

Lender

Name	CAPITAL CTY HM LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Interest

Rate Type	Fixed Rate

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	STAFFORD VA
Recording Date	Jan 22, 2020
Property Address	55 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Document Number	200001519
Instrument Date	Oct 9, 2019
Instrument	1519
Transaction Type	Foreclosure
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$343.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST OKLAHOMA CITY OK 731072442, OKLAHOMA CITY, OK 73107-2442

Tax Assessment & Valuation

The 2025 property tax bill for 55 Charter Gate Dr was $4,206.

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	$4,206.00	$449,100 Land $130,000 Building $319,100	$449,100 Land $130,000 Building $319,100
2023	$3,798.00	$402,000 Land $120,000 Building $282,000	$402,000 Land $120,000 Building $282,000
2021	$3,146.00

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

Flood

FEMA maps place 55 Charter Gate Dr 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 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 55 Charter Gate Dr 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	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 219 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.

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