5510 Elder St, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 5510 Elder St, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,080 sqft · built 1977
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$212,500 (May 2018)
Tax Bill	$2,554 (2026)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23B-3-68`

Property Details

APN / Parcel Number

Primary APN	`23B-3-68`
Alternative APN	`023B 3-68`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,080 sqft Finished Area
Basement Area	1,008 sqft
Unfinished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Shingles
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Deck Area	267 sqft
Patio Area	267 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5510 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 68 SEC 2
Legal Subdivision	OAK GROVE TERRACE
Legal Lot Number	68
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	SALEM
Census Block Group	1
Census Block	1008
Census Tract	20307

Owner

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 Record
Mailing Address	5510 ELDER ST, FREDERICKSBURG, VA 22407-1208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2018 · Amount on Record
Deed Sale	May 21, 2018 · Amount on Record
Prior Sale	May 29, 2009 · Amount on Record
Deed Document Number	20188174
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 21, 2018
Property Address	5510 ELDER ST, FREDERICKSBURG, VA 22407-1208
Document Number	201800008174
Instrument Date	May 17, 2018
Instrument	8174
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 ELDER ST FREDERICKSBURG VA 224071208, FREDERICKSBURG, VA 22407-1208

Mortgage

Document Number	201800008175
Date	May 21, 2018
Instrument	8175

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Spotsylvania County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Spotsylvania County
Unified School District	Spotsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,554.00 (+27.7%)	$346,400 (+33.64%) Land $150,000 Building $196,400
2025			$346,400 (+33.64%) Land $150,000 Building $196,400
2023	$2,000.00	$259,200 Land $110,000 Building $149,200	$259,200 Land $110,000 Building $149,200

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

Flood

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

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.

Drinking Water

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

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 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