98 Chaps Ln, Fredericksburg, VA 22405 Property Records

Stafford County property record for 98 Chaps Ln, Fredericksburg, VA 22405

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,236 sqft · built 2008
Lot Size	0.166 acres (7,261 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Aug 2012)
Deeds & Mortgages	Oct 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53H-1-106`

Property Details

APN / Parcel Number

Primary APN	`53H-1-106`
Alternative APNs	`053H 1 106` `46220`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,236 sqft Living Area
Gross Area	5,116 sqft
Basement Area	1,440 sqft
Finished Basement	1,120 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,261 sqft (0.166 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Deck Area	300 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	46220
Old Parcel Number	053H 1 106
Street Address	98 CHAPS LN
City	FREDERICKSBURG
State	VA
Zip	22405-5627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2- URBAN RES
Legal Description	LOT 106 SEC 1 7260 SQFT CARRIAGE HILL AT FALLS RUN
Legal Subdivision	CARRIAGE HILL/FALLS RUN SEC 01
Legal Lot Number	106
Jurisdiction	STAFFORD VA
Township / Civil Division	GEORGE WASHINGTON
Census Block Group	2
Census Block	2014
Census Tract	10304

Owner

98 Chaps Ln is owned and occupied by an individual who bought it in August 2012.

Source: Stafford County records, as of September 7, 2023

Owner of Record	Individual Name on File
Mailing Address	98 CHAPS LN, FREDERICKSBURG, VA 22405-5627
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	Name on Deed
Last Sale	Aug 15, 2012 · Amount on File
Deed Sale	Aug 15, 2012 · Amount on File
Prior Sale	Oct 17, 2008 · Amount on File
Deed Document Number	120016864
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	98 CHAPS LN, FREDERICKSBURG, VA 22405-5627
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230012896
Date	Oct 24, 2023
Instrument	230012896

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2043

Interest

Rate Type	Fixed Rate
Rate	9.75%

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	Virginia
County	Stafford County
Unified School District	Stafford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$499,000 Land $120,000 Building $379,000	$499,000 Land $120,000 Building $379,000

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

Flood

FEMA maps place 98 Chaps Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Wildfire risk around 98 Chaps Ln 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 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.

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 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