Spotsylvania County property record for 5519 Elder St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,560 sqft · built 1977 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Mar 2024) |
| Tax Bill | $2,366 (2026) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage May 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 23B-4-53 |
| Primary APN | 23B-4-53 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,560 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5519 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 53 SEC 2A |
| Legal Subdivision | OAK GROVE TERRACE |
| Legal Lot Number | 53 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20307 |
5519 Elder St is owned and occupied by two individuals who bought it in March 2024.
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 | 5519 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2024 | Warranty Deed, Transfer · Conventional Mortgage NEW STORY LENDING LLC |
| May 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC COAST MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2024 · Amount on File |
| Deed Sale | Mar 1, 2024 · Amount on File |
| Prior Sale | Oct 15, 2001 · Amount on File |
| Deed Document Number | 20242574 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Mar 1, 2024 |
| Property Address | 5519 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 0240002574 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 240002574 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Title Company | EQUITY TITLE AND ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5519 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 0240002575 |
|---|---|
| Date | Mar 1, 2024 |
| Instrument | 240002575 |
| Name | NEW STORY LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Feb 20, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 5519 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2023 |
| Title Company | PROFESSIONAL R/E SETTLEMENT, PROFESSIONAL HOME STLMNTS |
| Name | Verified Name |
|---|
| Document Number | 0230006552 |
|---|---|
| Date | May 23, 2023 |
| Instrument | 230006552 |
| Name | ATLANTIC COAST MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
The 2026 property tax bill for 5519 Elder St was $2,366, up 11.1% 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 | $2,366.00 (+11.08%) | $320,900 (+10.62%) Land $150,000 Building $170,900 | |
| 2025 | $2,130.00 | $290,100 Land $125,000 Building $165,100 | $320,900 (+10.62%) Land $150,000 Building $170,900 |
| 2024 | $290,100 (+23.66%) Land $125,000 Building $165,100 | ||
| 2023 | $1,810.00 | $234,600 Land $110,000 Building $124,600 | $234,600 Land $110,000 Building $124,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5519 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 5519 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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