10122 Elys Ford Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 10122 Elys Ford Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 1965
Lot Size	4.78 acres (208,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,500 (Apr 2026)
Tax Bill	$2,726 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-A-13`

Property Details

APN / Parcel Number

Primary APN	`3-A-13`
Alternative APNs	`003-A-13` `03-A-13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,706 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	208,217 sqft (4.78 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10122 ELYS FORD RD
City	FREDERICKSBURG
State	VA
Zip	22407-9641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	G E BLANKENBAKER
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	CHANCELLOR
Census Block Group	1
Census Block	1005
Census Tract	20105

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10122 ELYS FORD RD, FREDERICKSBURG, VA 22407-9641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit VIRGINIA CREDIT UNION INC
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage MORS DEVELOPMENT INC
Sep 19, 2019	Deed of Trust, Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Aug 31, 2004 · Amount on Record
Deed Document Number	20266648
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10122 ELYS FORD RD, FREDERICKSBURG, VA 22407-9641
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220016854
Date	Aug 17, 2022
Instrument	220016854

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 11, 2042

Interest

Rate Type	Adjustable Rate

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Apr 30, 2026
Property Address	10122 ELYS FORD RD, FREDERICKSBURG, VA 22407-9641
Document Number	0000006648
Instrument Date	Apr 30, 2026
Instrument	2026.6648
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	EKKO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55,095.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10122 ELYS FORD RD, FREDERICKSBURG, VA 22407-9641

Mortgage

Document Number	0000006649,
Date	Apr 30, 2026
Instrument	2026..6649

Lender

Name	MORS DEVELOPMENT INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10122 ELYS FORD RD, FREDERICKSBURG, VA 22407-9641
Document Number	201900017182
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10122 ELYS FORD RD FREDERICKSBURG VA 224079641, FREDERICKSBURG, VA 22407-9641

Mortgage

Document Number	201900017182
Date	Oct 9, 2019
Instrument	17182

Lender

Name	MOVEMENT MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 8, 2039

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,726.00 (+41.68%)	$369,800 (+41.09%) Land $181,000 Building $188,800
2025	$1,924.00 (+17.6%)	$262,100 (+23.57%) Land $146,600 Building $115,500	$369,800 (+41.09%) Land $181,000 Building $188,800
2024			$262,100 (+23.57%) Land $146,600 Building $115,500
2023	$1,636.00	$212,100 Land $112,100 Building $100,000	$212,100 Land $112,100 Building $100,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	2 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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