7007 Carmel Ln, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 7007 Carmel Ln, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,857 sqft · built 2000
Lot Size	0.104 acres (4,529 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Oct 2026)
Tax Bill	$701 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Apr 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22T-12-33`

Property Details

APN / Parcel Number

Primary APN	`22T-12-33`
Alternative APN	`022T12-33`

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	4,529 sqft (0.104 acres)
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Deck Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7007 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 33 SEC 2B
Legal Subdivision	STONEFIELD
Legal Lot Number	33
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2011
Census Tract	20114

Owner

Source: Spotsylvania County records, as of October 19, 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	35 HAZEN RD, F4, SHIRLEY, MA 01464-2722
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Apr 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	Mar 6, 2008 · Amount on Record
Deed Document Number	202616113
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Oct 5, 2026
Property Address	7007 CARMEL LN, FREDERICKSBURG, VA 22407-2534
Document Number	0000016113
Instrument Date	Oct 2, 2026
Instrument	202616113
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,865.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016114,
Date	Oct 5, 2026
Instrument	202616114

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7007 CARMEL LN, FREDERICKSBURG, VA 22407-2534
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220008630
Date	Apr 21, 2022
Instrument	220008630

Lender

Name	REVERSE MORTGAGE FUNDING LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	845 Months
Due	Sep 11, 2092

Interest

Rate Type	Adjustable Rate
Rate	3.77%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly

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	$701.00 (-9.78%)	$352,800 (+13.73%) Land $135,000 Building $217,800
2025	$777.00 (+42.31%)	$310,200 (+16.97%) Land $115,000 Building $195,200	$352,800 (+13.73%) Land $135,000 Building $217,800
2024			$310,200 (+16.97%) Land $115,000 Building $195,200
2023	$546.00	$265,200 Land $100,000 Building $165,200	$265,200 Land $100,000 Building $165,200

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, 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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