Spotsylvania County property record for 5503 Elder St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,352 sqft · built 1976 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Aug 2018) |
| Tax Bill | $2,357 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23B-3-61 |
| Primary APN | 23B-3-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,352 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Pool Type | Above-Ground Pool |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5503 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 61 SEC 2 |
| Legal Subdivision | OAK GROVE TERRACE |
| Legal Lot Number | 61 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20307 |
Source: Spotsylvania County records, as of August 11, 2026
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 | Individual Name on File |
|---|---|
| Mailing Address | 5503 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG |
| Aug 20, 2018 | Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2018 · Amount on File |
| Deed Sale | Aug 20, 2018 · Amount on File |
| Prior Sale | Aug 5, 2003 · Amount on File |
| Deed Document Number | 201813888 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 5503 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 202100002427 |
| Instrument Date | Jan 22, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5503 ELDER ST FREDERICKSBURG VA 224071207, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 202100002427 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2427 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 26, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Aug 20, 2018 |
| Property Address | 5503 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 201800013888 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 13888 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5503 ELDER ST FREDERICKSBURG VA 224071207, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 201800013889 |
|---|---|
| Date | Aug 20, 2018 |
| Instrument | 13889 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
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 | $2,357.00 (+27.75%) | $319,800 (+33.7%) Land $150,000 Building $169,800 | |
| 2025 | $319,800 (+33.7%) Land $150,000 Building $169,800 | ||
| 2023 | $1,845.00 | $239,200 Land $110,000 Building $129,200 | $239,200 Land $110,000 Building $129,200 |
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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