74 Cardinal Forest Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 74 Cardinal Forest Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,144 sqft · built 1999
Lot Size	0.312 acres (13,586 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Oct 2024)
Tax Bill	$4,558 (2025)
Deeds & Mortgages	Sep 2021 Refinance Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44L-5B-226`

Property Details

APN / Parcel Number

Primary APN	`44L-5B-226`
Alternative APNs	`044L 5B 226` `26722`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,144 sqft Living Area
Gross Area	4,184 sqft
Basement Area	1,340 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,586 sqft (0.312 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	338 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	26722
Street Address	74 CARDINAL FOREST DR
City	FREDERICKSBURG
State	VA
Zip	22406-6254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 226 SEC 5B 13586 SQFT CARDINAL FOREST
Legal Subdivision	CARDINAL FOREST SEC 5B
Legal Lot Number	226
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3001
Census Tract	10305

Owner

74 Cardinal Forest Dr is owned and occupied by two individuals who bought it in October 2024.

Source: Stafford County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	74 CARDINAL FOREST DR, FREDERICKSBURG, VA 22406-6254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC
Jan 9, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2024 · Amount on File
Deed Sale	Oct 21, 2024 · Amount on File
Prior Sale	Dec 5, 2005 · Amount on File
Deed Document Number	202413091
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	74 CARDINAL FOREST DR, FREDERICKSBURG, VA 22406-6254
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210031381
Date	Sep 15, 2021
Instrument	210031381

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	74 CARDINAL FOREST DR, FREDERICKSBURG, VA 22406-6254
Document Number	200001075
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CARDINAL FOREST DR FREDERICKSBURG VA 224066254, FREDERICKSBURG, VA 22406-6254

Mortgage

Document Number	200001075
Date	Jan 15, 2020
Instrument	1075

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 74 Cardinal Forest Dr was $4,558.

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	$4,558.00	$486,700 Land $130,000 Building $356,700	$486,700 Land $130,000 Building $356,700
2023		$450,700 Land $125,000 Building $325,700	$450,700 Land $125,000 Building $325,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 74 Cardinal Forest Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 74 Cardinal Forest Dr is low, with a 0.01% annual chance of 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	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 155 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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