Spotsylvania County property record for 5525 Elder St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 924 sqft · built 1976 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Feb 2010) |
| Tax Bill | $2,347 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23B-4-50 |
| Primary APN | 23B-4-50 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 924 sqft Finished Area |
| Basement Area | 864 sqft |
| Unfinished Basement | 648 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Metal |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5525 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 50 SEC 2A |
| Legal Subdivision | OAK GROVE TERRACE |
| Legal Lot Number | 50 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5525 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARRINGTON MORTGAGE SERVICES LLC |
| Nov 22, 2017 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2010 · Amount on Record |
| Deed Sale | Feb 11, 2010 · Amount on Record |
| Prior Sale | Jun 9, 2003 · Amount on Record |
| Deed Document Number | 20102275 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 5525 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210031521 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 210031521 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 5525 ELDER ST, FREDERICKSBURG, VA 22407-1207 |
| Document Number | 201700021300 |
| Instrument Date | Nov 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 201700021300 |
|---|---|
| Date | Nov 29, 2017 |
| Instrument | 21300 |
| Name | CARRINGTON MTG SVCS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2047 |
| 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 | $2,347.00 (+27.69%) | $318,400 (+33.61%) Land $150,000 Building $168,400 | |
| 2025 | $318,400 (+33.61%) Land $150,000 Building $168,400 | ||
| 2023 | $1,838.00 | $238,300 Land $110,000 Building $128,300 | $238,300 Land $110,000 Building $128,300 |
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 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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