7003 Carmel Ln, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 7003 Carmel Ln, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,814 sqft · built 2000
Lot Size	0.086 acres (3,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,000 (Oct 2009)
Tax Bill	$2,470 (2026)
Deeds & Mortgages	Apr 2022 Refinance Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22T-12-35`

Property Details

APN / Parcel Number

Primary APN	`22T-12-35`
Alternative APN	`022T12-35`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,814 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	3,740 sqft (0.086 acres)
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	157 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7003 CARMEL LN
City	FREDERICKSBURG
State	VA
Zip	22407-2534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P3
Legal Description	STONEFIELD (SALEM FIELDS)LOT 35 SEC 2B
Legal Subdivision	STONEFIELD
Legal Lot Number	35
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	2 Individual Names on Record
Mailing Address	7003 CARMEL LN, FREDERICKSBURG, VA 22407-2534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2009 · Amount on Record
Deed Sale	Oct 13, 2009 · Amount on Record
Prior Sale	Oct 31, 2000 · Amount on Record
Deed Document Number	200919640
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7003 CARMEL LN, FREDERICKSBURG, VA 22407-2534
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220008787
Date	Apr 25, 2022
Instrument	220008787

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.06%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7003 CARMEL LN, FREDERICKSBURG, VA 22407-2534
Document Number	202000006482
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7003 CARMEL LN FREDERICKSBURG VA 224072534, FREDERICKSBURG, VA 22407-2534

Mortgage

Document Number	202000006482
Date	Apr 1, 2020
Instrument	6482

Lender

Name	PENNYMAC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

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	$2,470.00 (+27.78%)	$335,100 (+33.72%) Land $130,000 Building $205,100
2025			$335,100 (+33.72%) Land $130,000 Building $205,100
2023	$1,933.00	$250,600 Land $95,000 Building $155,600	$250,600 Land $95,000 Building $155,600

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	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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