10408 Bent Tree Dr, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 10408 Bent Tree Dr, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1988
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2021)
Tax Bill	$2,265 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023K 3-101`

Property Details

APN / Parcel Number

Primary APN	`023K 3-101`
Alternative APN	`23K-3-101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Finished Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10408 BENT TREE DR
City	FREDERICKSBURG
State	VA
Zip	22407-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - RESID
Legal Description	CEDARBROOK LOT 101 SEC 3
Legal Subdivision	CEDARBROOK
Legal Lot Number	101
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	2
Census Block	2012
Census Tract	20304

Owner

Source: Spotsylvania County records · APN 023K 3-101

Assessment roll updated August 11, 2026 · Last verified August 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 File
Mailing Address	10408 BENT TREE DR, FREDERICKSBURG, VA 22407-1613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 02, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jun 02, 2021	Gift Deed, Transfer
Oct 18, 2018	Deed of Trust, Mortgage · Line of Credit VIRGINIA PTRS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 02, 2021 · Amount on Record
Deed Sale	Jun 02, 2021 · Amount on Record
Deed Document Number	202116819
Prior Transfer Date	May 26, 2021
Prior Transfer Doc	0000016818
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jun 02, 2021
Property Address	10408 BENT TREE DR, FREDERICKSBURG, VA 22407-1613
Document Number	210016819
Instrument Date	May 26, 2021
Instrument	210016819
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	EKKO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 BENT TREE DR, FREDERICKSBURG, VA 22407-1613

Mortgage

Document Number	210016820
Date	Jun 02, 2021
Instrument	210016820

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jun 02, 2021
Property Address	10408 BENT TREE DR, FREDERICKSBURG, VA 22407-1613
Document Number	210016818
Instrument Date	May 26, 2021
Instrument	210016818
Transaction Type	Transfer
Record Updated	Aug 26, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21233 DUNLORA DR, RAPIDAN, VA 22733-9317

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10408 BENT TREE DR, FREDERICKSBURG, VA 22407-1613
Document Number	201800017208
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	201800017208
Date	Oct 19, 2018
Instrument	17208

Lender

Name	VIRGINIA PTRS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Spotsylvania County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,265.00 (+23.23%)	$307,300 (+28.96%) Land $160,000 Building $147,300
2025			$307,300 (+28.96%) Land $160,000 Building $147,300
2023	$1,838.00	$238,300 Land $115,000 Building $123,300	$238,300 Land $115,000 Building $123,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: AT&T.

Based on FCC filings for 205 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people
Water Source	Surface water
Last State Inspection	Jun 2021
Lead	Under 1 ppb (2023–2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

10408 Bent Tree Dr, Fredericksburg, VA 22407 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2021: Gift Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Bent Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number