643 Stuart St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 643 Stuart St, Fredericksburg, VA 22401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,140 sqft · built 1993
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (May 2017)
Tax Bill	$2,673 (2026)
Deeds & Mortgages	Mar 2022 Refinance Jan 2025 Line of Credit
APN	`7779-87-4175`

Property Details

APN / Parcel Number

Primary APN	`7779-87-4175`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,140 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Built-in
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	643 STUART ST
City	FREDERICKSBURG
State	VA
Zip	22401-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 56 BL 156-19-L56
Legal Lot Number	56
Jurisdiction	FREDERICKSBURG CITY VA
Township / Civil Division	FREDERICKSBURG
Census Block Group	1
Census Block	1035
Census Tract	202

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fredericksburg Historic District listed 1971 · 27 contributing resources · NRIS 71001053
Individually Listed	Fredericksburg and Spotsylvania County Battlefields Memorial National Military Park listed 2019 · 24 contributing resources · NRIS 66000046

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Fredericksburg City records, as of March 6, 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	643 STUART ST, FREDERICKSBURG, VA 22401-3526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 16, 2025	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2017 · Amount on Record
Deed Sale	May 26, 2017 · Amount on Record
Prior Sale	Jun 13, 2016 · Amount on Record
Deed Document Number	20171265
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	643 STUART ST, FREDERICKSBURG, VA 22401-3526
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202200757
Date	Mar 11, 2022
Instrument	202200757

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	643 STUART ST, FREDERICKSBURG, VA 22401-3526
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 STUART ST, FREDERICKSBURG, VA 22401-3526
Investor	Possibly a Property Investor

Mortgage

Document Number	0202500111
Date	Jan 16, 2025
Instrument	202500111

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Fredericksburg City assessment roll, as of January 1, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Fredericksburg City
Unified School District	Fredericksburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,673.00 (+29.38%)	$330,000 (+42.12%) Land $130,000 Building $200,000	$330,000 (+42.12%) Land $130,000 Building $200,000
2024	$2,066.00	$232,200 Land $80,000 Building $152,200	$232,200 Land $80,000 Building $152,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force

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	Not rated no burnable land within 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	CITY OF FREDERICKSBURG serves 28,350 people · EPA ID VA6630050
Water Source	Purchased surface water from SPOTSYLVANIA COUNTY UTILITIES
Last State Inspection	Mar 2023
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 331 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
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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