Stafford County property record for 82 Chaps Ln, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,128 sqft · built 2009 |
| Lot Size | 0.14 acres (6,107 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $530,000 (May 2024) |
| Tax Bill | $4,174 (2025) |
| Deeds & Mortgages | May 2024 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 53H-1-102 |
| Primary APN | 53H-1-102 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,128 sqft Living Area |
| Gross Area | 3,752 sqft |
| Basement Area | 1,024 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,107 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 230 sqft |
| Patio Area | 230 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 46216 |
|---|---|
| Street Address | 82 CHAPS LN |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-5627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 102 SEC 1 6105 SQFT CARRIAGE HILL AT FALLS RUN |
| Legal Subdivision | CARRIAGE HILL AT FALLS RUN SEC 1 |
| Legal Block | 2 |
| Legal Lot Number | 102 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10304 |
Source: Stafford County records, as of April 28, 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 | 82 CHAPS LN, FREDERICKSBURG, VA 22405-5627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage CMG HOME LOANS |
| Jun 12, 2020 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2024 · Amount on Record |
| Deed Sale | May 6, 2024 · Amount on Record |
| Prior Sale | Nov 23, 2009 · Amount on Record |
| Deed Document Number | 20244979 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STAFFORD VA |
| Recording Date | May 6, 2024 |
| Property Address | 82 CHAPS LN, FREDERICKSBURG, VA 22405-5627 |
| Document Number | 0240004979 |
| Instrument Date | May 2, 2024 |
| Instrument | 240004979 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2024 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 82 CHAPS LN, FREDERICKSBURG, VA 22405-5627 |
| Document Number | 0240004980 |
|---|---|
| Date | May 6, 2024 |
| Instrument | 240004980 |
| Name | CMG HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 82 CHAPS LN, FREDERICKSBURG, VA 22405-5627 |
| Document Number | 200013650 |
| Instrument Date | Jun 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 82 CHAPS LN FREDERICKSBURG VA 224055627, FREDERICKSBURG, VA 22405-5627 |
| Document Number | 200013650 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 13650 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Stafford County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Stafford County |
| Unified School District | Stafford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,174.00 (+8.78%) | $452,900 (+11.52%) Land $130,000 Building $322,900 | $452,900 (+11.52%) Land $130,000 Building $322,900 |
| 2023 | $3,837.00 (+21.16%) | $406,100 Land $120,000 Building $286,100 | $406,100 Land $120,000 Building $286,100 |
| 2021 | $3,167.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Cox Communications Cable | 2,000 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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