Spotsylvania County property record for 5508 Elder St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1976 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,000 (Jul 2019) |
| Tax Bill | $2,587 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23B-3-67 |
| Primary APN | 23B-3-67 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,056 sqft Finished Area |
| Basement Area | 1,056 sqft |
| Finished Basement | 1,056 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Shingles |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Deck Area | 277 sqft |
| Patio Area | 277 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5508 ELDER ST |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-1208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - RESID |
| Legal Description | OAK GROVE TERRACE LOT 67 SEC 2 |
| Legal Subdivision | OAK GROVE TERRACE |
| Legal Lot Number | 67 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20307 |
5508 Elder St is owned by two individuals who bought it in July 2019.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2107 CHAMPIONS WAY, FREDERICKSBURG, VA 22408-9616 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING |
| Jul 7, 2022 | Deed of Trust, Mortgage · VA Mortgage NATIONS DIRECT MORTGAGE LLC |
| Jul 9, 2019 | Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2019 · Amount on File |
| Deed Sale | Jul 9, 2019 · Amount on File |
| Prior Sale | Dec 10, 2001 · Amount on File |
| Deed Document Number | 201910650 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jun 2, 2026 |
| Property Address | 5508 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 0000008647 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20268647 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 5508 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 0000008647, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 20268647 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | May 1, 2066 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 5508 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220014202 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 220014202 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jul 9, 2019 |
| Property Address | 5508 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 201900010650 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 10650 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5508 ELDER ST FREDERICKSBURG VA 224071208, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 201900010651 |
|---|---|
| Date | Jul 9, 2019 |
| Instrument | 10651 |
| Name | ATLANTIC COAST MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 8, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 5508 Elder St was $2,587, up 7.5% from the year before.
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 | $2,587.00 (+7.48%) | $351,000 (+7.04%) Land $150,000 Building $201,000 | |
| 2025 | $2,407.00 | $327,900 Land $125,000 Building $202,900 | $351,000 (+7.04%) Land $150,000 Building $201,000 |
| 2024 | $327,900 (+24.91%) Land $125,000 Building $202,900 | ||
| 2023 | $2,025.00 | $262,500 Land $110,000 Building $152,500 | $262,500 Land $110,000 Building $152,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5508 Elder St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
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.
Wildfire risk around 5508 Elder St is low, with less than 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 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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