Spotsylvania County property record for 5514 Elder St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,104 sqft · built 1977 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Feb 2022) |
| Tax Bill | $2,088 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Feb 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23B-4-70 |
| Primary APN | 23B-4-70 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,104 sqft Finished Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Porch | Slab |
| Porch Area | 28 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5514 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 70 SEC 2A |
| Legal Subdivision | OAK GROVE TERRACE |
| Legal Lot Number | 70 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20307 |
Source: Spotsylvania County records, as of September 29, 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 | 5514 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Feb 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage CITY FIRST MORTGAGE SERVICES LLC |
| Nov 5, 2019 | Quit Claim Deed, Mortgage · Conventional Mortgage VELLUM MTG LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2022 · Amount on Record |
| Deed Sale | Feb 7, 2022 · Amount on Record |
| Prior Sale | May 23, 2014 · Amount on Record |
| Deed Document Number | 20222723 |
| Prior Transfer Date | Oct 29, 2019 |
| Prior Transfer Doc | 0000019082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 8, 2026 |
| Property Address | 5514 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 0000014629 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 202614629 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5514 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 0000014629, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 202614629 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Mar 1, 2052 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Feb 7, 2022 |
| Property Address | 5514 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 0220002723 |
| Instrument Date | Jan 27, 2022 |
| Instrument | 220002723 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2022 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5514 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 0220002724 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 220002724 |
| Name | CITY FIRST MORTGAGE SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0220002725 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 220002725 |
| Name | CITY FIRST MTG SERVICES LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Nov 5, 2019 |
| Property Address | 5514 ELDER ST, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 201900019082 |
| Instrument Date | Oct 29, 2019 |
| Instrument | 19082 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5514 ELDER ST FREDERICKSBURG VA 224071208, FREDERICKSBURG, VA 22407-1208 |
| Document Number | 201900019083 |
|---|---|
| Date | Nov 5, 2019 |
| Instrument | 19083 |
| Name | VELLUM MTG LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 4, 2049 |
| 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 | $2,088.00 (+27.78%) | $283,200 (+33.71%) Land $150,000 Building $133,200 | |
| 2025 | $283,200 (+33.71%) Land $150,000 Building $133,200 | ||
| 2023 | $1,634.00 | $211,800 Land $110,000 Building $101,800 | $211,800 Land $110,000 Building $101,800 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures