5526 Elder St, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 5526 Elder St, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 924 sqft · built 1977
Lot Size	0.27 acres (11,741 sqft)
Owner	Individual Name on Record
Last Sale	$358,000 (Dec 2023)
Tax Bill	$2,411 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23B-4-76`

Property Details

APN / Parcel Number

Primary APN	`23B-4-76`
Alternative APN	`023B 4-76`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	924 sqft Finished Area
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	11,741 sqft (0.27 acres)
Deck Area	912 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5526 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 76 SEC 2A
Legal Subdivision	OAK GROVE TERRACE
Legal Lot Number	76
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	5526 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	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Dec 15, 2015 · Amount on Record
Deed Document Number	202317081
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Dec 28, 2023
Property Address	5526 ELDER ST, FREDERICKSBURG, VA 22407-1208
Document Number	0230017081
Instrument Date	Dec 21, 2023
Instrument	230017081
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	VERSATILE TITLE AND ESCROW LLC, VERSATILE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5526 ELDER ST, FREDERICKSBURG, VA 22407-1208

Mortgage

Document Number	0230017082
Date	Dec 28, 2023
Instrument	230017082

Lender

Name	CITY LENDING INC

Agreement

Type	FHA Mortgage
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	$2,411.00 (+27.63%)	$327,100 (+33.56%) Land $150,000 Building $177,100
2025			$327,100 (+33.56%) Land $150,000 Building $177,100
2023	$1,889.00	$244,900 Land $110,000 Building $134,900	$244,900 Land $110,000 Building $134,900

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 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.

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