Spotsylvania County property record for 9515 Charlesfield Dr, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,653 sqft · built 1996 |
| Lot Size | 0.381 acres (16,589 sqft) |
| Owner | Individual Name on File |
| Last Sale | $572,000 (Mar 2024) |
| Tax Bill | $3,866 (2026) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 34G-12-342 |
| Primary APN | 34G-12-342 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,653 sqft Finished Area |
| Basement Area | 1,479 sqft |
| Unfinished Basement | 890 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 16,589 sqft (0.381 acres) |
| Garage Type | Attached |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 300 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 9515 CHARLESFIELD DR |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-8376 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU - RURAL |
| Legal Description | FOX POINT LOT 342 SEC 12B |
| Legal Subdivision | FOX POINT |
| Legal Lot Number | 342 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | BATTLEFIELD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20309 |
9515 Charlesfield Dr is owned and occupied by an individual who bought it in March 2024.
Source: Spotsylvania County records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9515 CHARLESFIELD DR, FREDERICKSBURG, VA 22407-8376 |
| 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.
| Date | Document |
|---|---|
| Mar 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage CITY LENDING INC |
| Dec 27, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on File |
| Deed Sale | Mar 12, 2024 · Amount on File |
| Prior Sale | Jul 2, 2001 · Amount on File |
| Deed Document Number | 20243080 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Mar 12, 2024 |
| Property Address | 9515 CHARLESFIELD DR, FREDERICKSBURG, VA 22407-8376 |
| Document Number | 0240003080 |
| Instrument Date | Feb 23, 2024 |
| Instrument | 240003080 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2024 |
| Title Company | NOT AVAILABLE, THE AMERICAS TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| 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 | 9515 CHARLESFIELD DR, FREDERICKSBURG, VA 22407-8376 |
| Document Number | 0240003081 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 240003081 |
| Name | CITY LENDING INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 9515 CHARLESFIELD DR, FREDERICKSBURG, VA 22407-8376 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220023845 |
|---|---|
| Date | Dec 27, 2022 |
| Instrument | 220023845 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 477 Months |
| Due | Sep 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
The 2026 property tax bill for 9515 Charlesfield Dr was $3,866.
Source: Spotsylvania County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Spotsylvania County |
| Unified School District | Spotsylvania County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,866.00 | $524,400 Land $170,000 Building $354,400 | |
| 2025 | $524,400 Land $170,000 Building $354,400 | ||
| 2023 | $3,057.00 | $396,200 Land $120,000 Building $276,200 | $396,200 Land $120,000 Building $276,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9515 Charlesfield Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective May 10, 2023 · 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jan 2017 · river or lake flooding |
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 risk around 9515 Charlesfield Dr is low, with a 0.02% 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 | 0.02% 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 | SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people · EPA ID VA6177300 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2023–2025) 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 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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