648 Stuart St, Fredericksburg, VA 22401 Property Records

Fredericksburg City property record for 648 Stuart St, Fredericksburg, VA 22401

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,584 sqft · built 2015
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$363,177 (Jul 2015)
Tax Bill	$4,148 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Apr 2020 Mortgage
APN	`7779-86-5939`

Property Details

APN / Parcel Number

Primary APN	`7779-86-5939`
Alternative APNs	`155 22 648` `2649`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	792 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	105 ft deep x 25 ft wide
Garage Type	Built-in
Porch	Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2649
Old Parcel Number	155 22 648
Street Address	648 STUART ST
City	FREDERICKSBURG
State	VA
Zip	22401-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 9 BL 155-22-L9
Legal Subdivision	FREDERICKSBURG DEV COM
Legal Block	155
Legal Lot Number	9
Jurisdiction	FREDERICKSBURG CITY VA
Township / Civil Division	FREDERICKSBURG
Census Block Group	1
Census Block	1043
Census Tract	202

Historic Designation

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

Historic District	Within the Washington Avenue Historic District listed 2002 · 41 contributing resources · NRIS 02000518
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	13004 BEARINGTON MNR, FREDERICKSBURG, VA 22407-8510
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2015 · Amount on File
Deed Sale	Jul 1, 2015 · Amount on File
Deed Document Number	20151540
Deed Book / Page	1500 / 01540
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	648 STUART ST, FREDERICKSBURG, VA 22401-3527
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200188
Date	Jan 21, 2022
Instrument	202200188

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICKSBURG CITY VA
Property Address	648 STUART ST, FREDERICKSBURG, VA 22401-3527
Document Number	202001178
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 STUART ST FREDERICKSBURG VA 224013527, FREDERICKSBURG, VA 22401-3527

Mortgage

Document Number	202001178
Date	May 6, 2020
Instrument	2001178

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 5, 2035

Interest

Rate Type	Fixed Rate

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	$4,148.00 (+24.19%)	$512,200 (+36.48%) Land $130,000 Building $382,200	$512,200 (+36.48%) Land $130,000 Building $382,200
2024	$3,340.00	$375,300 Land $80,000 Building $295,300	$375,300 Land $80,000 Building $295,300

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	Low lower than 97% of the US · lower than 98.4% 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.

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 418 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

May also be available: Xfinity.

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