6901 Carmel Ln, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 6901 Carmel Ln, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,857 sqft · built 2000
Lot Size	0.111 acres (4,840 sqft)
Owner	Individual Name on Record
Last Sale	$391,000 (May 2026)
Tax Bill	$2,555 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`22T-12-40`

Property Details

APN / Parcel Number

Primary APN	`22T-12-40`
Alternative APN	`022T12-40`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	4,840 sqft (0.111 acres)
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6901 CARMEL LN
City	FREDERICKSBURG
State	VA
Zip	22407-2533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P3
Legal Description	STONEFIELD (SALEM FIELDS)LOT 40 SEC 2B
Legal Subdivision	STONEFIELD
Legal Lot Number	40
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2011
Census Tract	20114

Owner

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	Individual Name on Record
Mailing Address	6901 CARMEL LN, FREDERICKSBURG, VA 22407-2533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE GROUP INC
Nov 3, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Mar 19, 2015 · Amount on Record
Deed Document Number	20268056
Prior Transfer Date	Nov 30, 2022
Prior Transfer Doc	0000014819
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 21, 2026
Property Address	6901 CARMEL LN, FREDERICKSBURG, VA 22407-2533
Document Number	0000008056
Instrument Date	May 18, 2026
Instrument	20268056
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,491.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6901 CARMEL LN, FREDERICKSBURG, VA 22407-2533

Mortgage

Document Number	0000008057,
Date	May 21, 2026
Instrument	20268057

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Nov 3, 2023
Property Address	6901 CARMEL LN, FREDERICKSBURG, VA 22407-2533
Document Number	0230014819
Instrument Date	Nov 30, 2022
Instrument	230014819
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,555.00 (+14.22%)	$346,600 (+13.75%) Land $135,000 Building $211,600
2025	$2,237.00 (+11.18%)	$304,700 (+16.83%) Land $115,000 Building $189,700	$346,600 (+13.75%) Land $135,000 Building $211,600
2024			$304,700 (+16.83%) Land $115,000 Building $189,700
2023	$2,012.00	$260,800 Land $100,000 Building $160,800	$260,800 Land $100,000 Building $160,800

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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