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409 Pratt St, Fredericksburg, VA, 22405

2beds
2baths
1,168sqft
$359,990
$308price/sqft
$2,398/moest. monthly cost
$95,920/yrincome needed

About This Home

FRESH NEW PRICE! NOW OFFERED AT $359,990. This beautifully updated one-level home in sought-after Chatham Heights represents an exceptional opportunity just minutes from Historic Downtown Fredericksburg, offering updated finishes, an oversized detached two-car garage, additional parcels, and incredible value. Step inside to discover beautifully refinished hardwood floors, fresh interior paint, new six-panel doors, updated lighting, ceiling fans, and all new double-hung windows for easy cleaning and improved efficiency. The functional kitchen has been refreshed with new countertops, sink, stove, range hood, and flooring, providing ample workspace and storage. The versatile layout includes a bonus room leading to the primary suite, making the perfect home office, nursery, sitting room, exercise space, or hobby room. The spacious primary suite features a large cedar-lined walk-in closet, two ceiling fans, and a beautifully remodeled private bath with a marble-top vanity, easy-close cabinetry, and pocket door. The second full bath has also been tastefully updated with marble-top vanity, and modern fixtures. Major updates include a roof approximately 9 years old, water heater approximately 7 years old, newly painted foundation, and recently installed vapor barrier and insulation in the rear crawl space. Outside, enjoy a fully fenced backyard with both wood and chain-link fencing. Additional parcels convey, creating an oversized level lot with plenty of room for outdoor entertaining, gardening, pets, or play. A true highlight of the property is the oversized detached two-car garage featuring a new roof, fresh paint, and existing air compressor lines around the walls which are ideal for mechanics, woodworkers, hobbyists, or anyone seeking exceptional workshop space. The front porch has been stylishly refreshed with maintenance-free handrails, adding to the home's curb appeal. Less than 2 miles from the Falmouth Park & Ride commuter lot and just a short drive to downtown Fredericksburg, shopping, dining, the VRE station, the Rappahannock River, parks, Quantico, and Dahlgren. Convenient access to I-95 and located within the Stafford County School District. Move-in ready and full of thoughtful updates, this property offers an exceptional opportunity for first-time buyers, down-sizers, commuters, or anyone seeking comfortable one-level living in a convenient location.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
59
BikeBikeable

Schools

Construction

Condition

  • Property condition: Excellent
  • Year built: 1967

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Cooktop,Electric Water Heater
  • Laundry features: Washer/Dryer Hookups Only

Bathroom2

  • Features: Bathroom - Tub Shower,Flooring - Vinyl
  • Level: Main

Bedroom2

  • Features: Flooring - Carpet
  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Attic,Ceiling Fan(s),Floor Plan - Traditional,Eat-in Kitchen,Walk-In Closet(s),Entry Level Bedroom,Kitchen - Table Space
  • Door features: Six Panel
  • Window features: Double Hung
  • Flooring: Carpet,Hardwood,Vinyl,Other,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,168

Heating & Cooling

  • Heating features: Central,Forced Air,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,168
  • Total interior livable area: 1,168 sqft

Kitchen

  • Features: Flooring - Vinyl
  • Level: Main

Living Room

  • Features: Flooring - HardWood
  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Flooring - Carpet,Walk-In Closet(s)
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 54F 3C 36
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Full

Lot

  • Lot size: 0.82 Acres
  • Features: Additional Lot(s),Level,Open Lot,Rear Yard,Rural

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage Door Opener,Inside Entrance,Oversized,Detached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Tsunami

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,820$21,840
Home Insurance *$102$1,224
Property Taxes $274$3,288
Electricity $202$2,433
Total$2,398$28,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,217/yr
40% on housing$71,940/yr
45% on housing$63,946/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 22405$242
Stafford County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 22405$204
Stafford County$215

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-17Price change$359,990
2026-06-12Listed for sale$375,000

For Sale by Agent

AgentKaren Zink
BrokerageBerkshire Hathaway HomeServices PenFed Realty

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