94 Edgewater Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 94 Edgewater Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,452 sqft · built 2018
Lot Size	3.22 acres (140,660 sqft)
Owner	Individual Name on Record
Last Sale	$605,800 (Sep 2018)
Tax Bill	$7,643 (2025)
Deeds & Mortgages	Mar 2020 Refinance Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44KK-5`

Property Details

APN / Parcel Number

Primary APN	`44KK-5`
Alternative APN	`53643`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,452 sqft Living Area
Basement Area	1,616 sqft
Finished Basement	1,044 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	140,660 sqft (3.22 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	53643
Street Address	94 EDGEWATER DR
City	FREDERICKSBURG
State	VA
Zip	22406-5486
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1- AG MIN 3AC
Legal Description	LOT 5 3.22908 AC ESTATES AT ROCKY PEN PM140000123
Legal Subdivision	ESTATES/ROCKY PEN
Legal Lot Number	5
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3003
Census Tract	10307

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	94 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Sep 21, 2018	Warranty Deed, Subdivision Related Transfer ASSURANCE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	180015986
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	94 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200006499
Date	Mar 25, 2020
Instrument	200006499

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STAFFORD VA
Recording Date	Sep 21, 2018
Property Address	94 EDGEWATER DR, FREDERICKSBURG, VA 22406-5486
Document Number	180015986
Instrument Date	Sep 20, 2018
Instrument	15986
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$606.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 EDGEWATER DR FREDERICKSBURG VA 224065486, FREDERICKSBURG, VA 22406-5486

Mortgage

Document Number	180015987
Date	Sep 21, 2018
Instrument	15987

Lender

Name	ASSURANCE FIN'L
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$7,643.00 (+25.77%)	$816,000 (+26.89%) Land $220,000 Building $596,000	$816,000 (+26.89%) Land $220,000 Building $596,000
2023	$6,077.00 (+3.09%)	$643,100 Land $175,000 Building $468,100	$643,100 Land $175,000 Building $468,100
2021	$5,895.00

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 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 Record 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications.

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