1 Hemlock Ct, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 1 Hemlock Ct, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 6,028 sqft · built 1988
Lot Size	4.51 acres (196,456 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2004)
Tax Bill	$5,804 (2026)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`6A-1-22`

Property Details

APN / Parcel Number

Primary APN	`6A-1-22`
Alternative APNs	`006A 1-22` `06A 1-22`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	6,028 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Area	196,456 sqft (4.51 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,129 sqft
Deck Area	850 sqft
Patio Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1 HEMLOCK CT
City	FREDERICKSBURG
State	VA
Zip	22407-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER BLUFFS LOT 22
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	22
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

1 Hemlock Ct is owned and occupied by two individuals who acquired it in August 2021.

Source: Spotsylvania County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 HEMLOCK CT, FREDERICKSBURG, VA 22407-2309
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

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Aug 31, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2004 · Amount on File
Deed Sale	Jul 15, 2004 · Amount on File
Deed Document Number	200427457
Last Transfer Date	Aug 26, 2021
Transfer Doc	0000026422
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	1 HEMLOCK CT, FREDERICKSBURG, VA 22407-2309
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210026423
Date	Aug 31, 2021
Instrument	210026423

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 31, 2021
Property Address	1 HEMLOCK CT, FREDERICKSBURG, VA 22407-2309
Document Number	210026422
Instrument Date	Aug 26, 2021
Instrument	210026422
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 HEMLOCK CT, FREDERICKSBURG, VA 22407-2309

Mortgage

Document Number	0210026423
Date	Aug 31, 2021
Instrument	210026423

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1 Hemlock Ct was $5,804.

Source: Spotsylvania County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,804.00	$787,300 Land $224,700 Building $562,600
2025			$787,300 Land $224,700 Building $562,600
2023	$5,505.00	$713,400 Land $136,900 Building $576,500	$713,400 Land $136,900 Building $576,500

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

Flood

FEMA maps place 1 Hemlock Ct in Zone X, an area of minimal flood risk.

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	3 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 1 Hemlock Ct is low, with a 0.01% 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	0.01% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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