75 Charter Gate Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 75 Charter Gate Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,368 sqft · built 2012
Lot Size	0.335 acres (14,614 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2020)
Tax Bill	$4,492 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`44R-12B-908`

Property Details

APN / Parcel Number

Primary APN	`44R-12B-908`
Alternative APN	`51101`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,368 sqft Living Area
Basement Area	984 sqft
Finished Basement	824 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,614 sqft (0.335 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	51101
Street Address	75 CHARTER GATE DR
City	FREDERICKSBURG
State	VA
Zip	22406-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1- SUBURB RES
Legal Description	LOT 908 SEC 12B 14614 SF STAFFORD LAKES VILLAGE
Legal Subdivision	STAFFORD LAKES VILLAGE
Legal Lot Number	908
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3014
Census Tract	10307

Owner

75 Charter Gate Dr is owned and occupied by two individuals who bought it in July 2020.

Source: Stafford County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	75 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Prior Sale	Dec 17, 2012 · Amount on File
Deed Document Number	200015241
Deed Book / Page	1500 / 14202
Prior Transfer Date	Aug 17, 2015
Prior Transfer Doc	0150014202
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Recording Date	Jul 28, 2026
Property Address	75 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206
Document Number	0000011244
Instrument Date	Jul 22, 2026
Instrument	202611244
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 CHARTER GATE DR, FREDERICKSBURG, VA 22406-8206

Mortgage

Document Number	0000011244,
Date	Jul 28, 2026
Instrument	202611244

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 26, 2051

Interest

Rate	6.49%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 75 Charter Gate Dr was $4,492.

Source: Stafford County assessment roll, as of January 1, 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	$4,492.00	$479,600 Land $130,000 Building $349,600	$479,600 Land $130,000 Building $349,600
2023	$4,052.00	$428,800 Land $120,000 Building $308,800	$428,800 Land $120,000 Building $308,800
2021	$3,305.00

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

Flood

FEMA maps place 75 Charter Gate 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 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 75 Charter Gate 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	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	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 74 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: Xfinity.

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