Stafford County property record for 9 Garner Dr, Fredericksburg, VA 22405
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,080 sqft · built 2005 |
| Lot Size | 1.22 acres (53,435 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $383,920 (Jul 2008) |
| Tax Bill | $6,768 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Dec 2020 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 54RR-45 |
| Primary APN | 54RR-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,080 sqft Living Area |
| Basement Area | 2,016 sqft |
| Finished Basement | 2,000 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 53,435 sqft (1.22 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 432 sqft |
| Patio Area | 432 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 44505 |
|---|---|
| Old Parcel Number | 054RR 45 |
| Street Address | 9 GARNER DR |
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22405-1846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1- SUBURB RES |
| Legal Description | LOT 45 53432 SQFT CRESCENT VALLEY |
| Legal Subdivision | CRESCENT VALLEY |
| Legal Lot Number | 45 53432 |
| Jurisdiction | STAFFORD VA |
| Township / Civil Division | GEORGE WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 10405 |
Source: Stafford County records, as of November 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 9 GARNER DR, FREDERICKSBURG, VA 22405-1846 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 3, 2023 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH ONE FEDERAL CREDIT UNION |
| Dec 1, 2020 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH ONE FCU |
| Jan 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2008 · Amount on Record |
| Deed Sale | Jul 24, 2008 · Amount on Record |
| Prior Sale | Sep 12, 2007 · Amount on Record |
| Deed Document Number | 8001330 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 9 GARNER DR, FREDERICKSBURG, VA 22405-1846 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230012128 |
|---|---|
| Date | Oct 3, 2023 |
| Instrument | 230012128 |
| Name | COMMONWEALTH ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 11, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 9 GARNER DR, FREDERICKSBURG, VA 22405-1846 |
| Document Number | 200034229 |
| Instrument Date | Dec 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 9 GARNER DR FREDERICKSBURG VA 224051846, FREDERICKSBURG, VA 22405-1846 |
| Document Number | 200034229 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 34229 |
| Name | COMMONWEALTH ONE FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STAFFORD VA |
| Property Address | 9 GARNER DR, FREDERICKSBURG, VA 22405-1846 |
| Document Number | 200002653 |
| Instrument Date | Jan 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 9 GARNER DR FREDERICKSBURG VA 224051846, FREDERICKSBURG, VA 22405-1846 |
| Document Number | 200002653 |
|---|---|
| Date | Feb 5, 2020 |
| Instrument | 2653 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 4, 2040 |
| Rate Type | Fixed Rate |
|---|
Source: Stafford County assessment roll, as of January 1, 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 | $6,768.00 (+20.66%) | $722,600 (+21.73%) Land $155,000 Building $567,600 | $722,600 (+21.73%) Land $155,000 Building $567,600 |
| 2023 | $5,609.00 (+19.54%) | $593,600 Land $130,000 Building $463,600 | $593,600 Land $130,000 Building $463,600 |
| 2021 | $4,692.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2009 · rainfall accumulation |
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 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.
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 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Cox Communications Cable | 2,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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