Spotsylvania County property record for 5501 Elder St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,176 sqft · built 1976 |
| Lot Size | 0.3 acres (13,080 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $415,000 (Feb 2026) |
| Tax Bill | $2,605 (2026) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Oct 2025 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 23B-3-62 |
| Primary APN | 23B-3-62 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Basement Area | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 13,080 sqft (0.3 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 154 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5501 ELDER ST |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-1207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - RESID |
| Legal Description | OAK GROVE TERRACE LOT 62 SEC 2 |
| Legal Subdivision | OAK GROVE TERRACE |
| Legal Lot Number | 62 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20307 |
Source: Spotsylvania County records, as of September 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5501 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Oct 30, 2025 | Trustee's Deed, Foreclosure · Stand-Alone First Mortgage MARK A TREWHELLA ETAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 13, 2026 · Amount on Record |
| Deed Sale | Feb 13, 2026 · Amount on Record |
| Prior Sale | Oct 30, 2025 · Amount on Record |
| Deed Document Number | 20262234 |
| Prior Transfer Date | Oct 2, 2025 |
| Prior Transfer Doc | 0000016553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Feb 13, 2026 |
| Property Address | 5501 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 0260002234 |
| Map Reference | MB 374 PG 30 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 260002234 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5501 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 0260002235 |
|---|---|
| Date | Feb 13, 2026 |
| Instrument | 260002235 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Oct 30, 2025 |
| Property Address | 5501 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 0250016553 |
| Map Reference | MB 374 PG 30 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 250016553 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Title Company | ATLANTIC TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.25 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17090 QUAIL CREEK CIR, HAMILTON, VA 20158-3101 |
| Investor | Possibly a Property Investor |
| Document Number | 0250016554 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 250016554 |
| Name | MARK A TREWHELLA ETAL |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Spotsylvania County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Spotsylvania County |
| Unified School District | Spotsylvania County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,605.00 (+7.51%) | $353,400 (+7.06%) Land $150,000 Building $203,400 | $353,400 (-) Land $150,000 Building $203,400 |
| 2025 | $2,423.00 (+18.83%) | $330,100 (+24.9%) Land $125,000 Building $205,100 | $353,400 (+7.06%) Land $150,000 Building $203,400 |
| 2024 | $330,100 (+24.9%) Land $125,000 Building $205,100 | ||
| 2023 | $2,039.00 | $264,300 Land $110,000 Building $154,300 | $264,300 Land $110,000 Building $154,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 10, 2023 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2003–2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2011 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people · EPA ID VA6177300 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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