655 Lancaster St, Fredericksburg, VA 22405 Property Records

Stafford County property record for 655 Lancaster St, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,553 sqft · built 2001
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,500 (Jun 2008)
Tax Bill	$4,523 (2025)
Deeds & Mortgages	Mar 2024 Refinance Jun 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`54HH-2B-54`

Property Details

APN / Parcel Number

Primary APN	`54HH-2B-54`
Alternative APNs	`054HH 2B 54` `34275`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,553 sqft Living Area
Gross Area	4,168 sqft
Basement Area	1,198 sqft
Finished Basement	983 sqft
Unfinished Basement	215 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,998 sqft (0.459 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	238 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	34275
Street Address	655 LANCASTER ST
City	FREDERICKSBURG
State	VA
Zip	22405-2447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 54 SEC 2B 20000 SQFT NORTH CLEARVIEW HEIGHTS
Legal Subdivision	NORTH CLEARVIEW HEIGHTS SEC 2B
Legal Block	3
Legal Lot Number	54
Jurisdiction	STAFFORD VA
Township / Civil Division	FALMOUTH
Census Block Group	3
Census Block	3010
Census Tract	10404

Historic Designation

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

Historic District	Within the Falmouth Historic District listed 1970 · 38 contributing resources · NRIS 70000825

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

Owner

Source: Stafford County records, as of May 5, 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 Record
Mailing Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEFINITY
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HM LNS LLC
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MTG
Jul 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MTG
Dec 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2008 · Amount on Record
Deed Sale	Jun 16, 2008 · Amount on Record
Prior Sale	Mar 6, 2001 · Amount on Record
Deed Book / Page	8000 / 10945
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240003163
Date	Mar 27, 2024
Instrument	240003163

Lender

Name	HOMEFINITY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.63%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210018506
Date	Jun 1, 2021
Instrument	210018506

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	2.88%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Document Number	200021982
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 LANCASTER ST FREDERICKSBURG VA 224052447, FREDERICKSBURG, VA 22405-2447

Mortgage

Document Number	200021982
Date	Sep 2, 2020
Instrument	21982

Lender

Name	CELEBRITY HM LNS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2045

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Document Number	200001903
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 LANCASTER ST FREDERICKSBURG VA 224052447, FREDERICKSBURG, VA 22405-2447

Mortgage

Document Number	200001903
Date	Jan 27, 2020
Instrument	1903

Lender

Name	MIDWEST EQUITY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 26, 2045

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Document Number	190011829
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 LANCASTER ST FREDERICKSBURG VA 224052447, FREDERICKSBURG, VA 22405-2447

Mortgage

Document Number	190011829
Date	Jul 22, 2019
Instrument	11829

Lender

Name	MIDWEST EQUITY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 21, 2044

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	655 LANCASTER ST, FREDERICKSBURG, VA 22405-2447
Document Number	190000203
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190000203
Date	Jan 4, 2019
Instrument	203

Lender

Name	MIDWEST EQUITY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 3, 2044

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Stafford County
Unified School District	Stafford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,523.00 (+3.31%)	$482,900 (+17.38%) Land $140,000 Building $342,900	$482,900 (+17.38%) Land $140,000 Building $342,900
2024	$4,378.00 (+12.63%)
2023	$3,887.00 (+10.96%)	$411,400 Land $125,000 Building $286,400	$411,400 Land $125,000 Building $286,400
2021	$3,503.00

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 October 14, 2026 · 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
Community Rating System	Class 6 (20% premium discount)
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 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% 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	STAFFORD COUNTY UTILITIES serves 123,684 people · EPA ID VA6179100
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2022–2024) 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile.

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