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10519 Bent Tree Dr, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 10519 Bent Tree Dr, Fredericksburg, VA 22407

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,007 sqft · built 1988
Lot Size0.235 acres (10,250 sqft)
OwnerIndividual Name on File
Last Sale$202,500 (Mar 2015)
Tax Bill$2,444 (2026)
Deeds & MortgagesJul 2021 Refinance
Dec 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN023K 3-139

Property Details

APN / Parcel Number

Primary APN023K 3-139
Alternative APN
  • 23K-3-139

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,007 sqft Finished Area
Basement Area864 sqft
Finished Basement864 sqft

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area10,250 sqft (0.235 acres)

Exterior Amenities

PorchSlab
Porch Area56 sqft
Deck Area160 sqft
Patio Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address10519 BENT TREE DR
CityFREDERICKSBURG
StateVA
Zip22407-1608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1 - RESID
Legal DescriptionCEDARBROOK LOT 139 SEC 3
Legal SubdivisionCEDARBROOK
Legal Lot Number139
JurisdictionSPOTSYLVANIA VA
Township / Civil DivisionCOURTLAND
Census Block Group2
Census Block2018
Census Tract20304

Owner

Source: Spotsylvania County records · APN 023K 3-139

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 RecordIndividual Name on File
Mailing Address10519 BENT TREE DR, FREDERICKSBURG, VA 22407-1608
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
QUICKEN LOANS LLC
Dec 04, 2024Deed of Trust, Mortgage · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 02, 2015 · Amount on Record
Deed SaleMar 02, 2015 · Amount on Record
Prior SaleSep 12, 2014 · Amount on Record
Deed Book / Page1500 / 3067
Record UpdatedSep 20, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPOTSYLVANIA VA
Property Address10519 BENT TREE DR, FREDERICKSBURG, VA 22407-1608
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210021521
DateJul 15, 2021
Instrument210021521
Lender
NameQUICKEN LOANS LLC
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term289 Months
DueAug 01, 2045
Interest
Rate TypeFixed Rate
Rate3.25%

December 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPOTSYLVANIA VA
Property Address10519 BENT TREE DR, FREDERICKSBURG, VA 22407-1608
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address10519 BENT TREE DR, FREDERICKSBURG, VA 22407-1608

Mortgage

Document Number0240017399
DateDec 04, 2024
Instrument240017399
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressIRVINE, CA 92618
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateVirginia
CountySpotsylvania County
Unified School DistrictSpotsylvania 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.

YearTax BillAssessed ValueAssessed Market Value
2026$2,444.00 (+23.43%)$331,500 (+29.19%) Land $160,000 Building $171,500
2025$331,500 (+29.19%) Land $160,000 Building $171,500
2023$1,980.00$256,600 Land $115,000 Building $141,600$256,600 Land $115,000 Building $141,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 96% of Virginia
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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

ProviderMax 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 SystemSPOTSYLVANIA COUNTY UTILITIES
serves 96,846 people
Water SourceSurface water
Last State InspectionJun 2021
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

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