10607 Rhoads Dr, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 10607 Rhoads Dr, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1980
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$1,672 (2026)
Deeds & Mortgages	May 2026 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-A-113F`

Property Details

APN / Parcel Number

Primary APN	`023-A-113F`
Alternative APN	`23-A-113F`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10607 RHOADS DR
City	FREDERICKSBURG
State	VA
Zip	22407-7789
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - RESID
Legal Description	ROLLINGWOOD PARCEL C
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	2
Census Block	2011
Census Tract	20304

Owner

10607 Rhoads Dr is owned and occupied by an individual who acquired it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	10607 RHOADS DR, FREDERICKSBURG, VA 22407-7789
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
May 8, 2026	Deed of Trust, Mortgage · VA Mortgage US MORTGAGE CAPITAL INC
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Mar 5, 2018	Quit Claim Deed, Transfer · VA Mortgage ATLANTIC COAST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 15, 2018
Transfer Doc	0000003502
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 8, 2026
Property Address	10607 RHOADS DR, FREDERICKSBURG, VA 22407-7789
Document Number	0000007201
Instrument Date	Apr 30, 2026
Instrument	20267201
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10607 RHOADS DR, FREDERICKSBURG, VA 22407-7789

Mortgage

Document Number	0000007201,
Date	May 8, 2026
Instrument	20267201

Lender

Name	US MORTGAGE CAPITAL INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10607 RHOADS DR, FREDERICKSBURG, VA 22407-7789
Document Number	202000004425
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10607 RHOADS DR FREDERICKSBURG VA 224077789, FREDERICKSBURG, VA 22407-7789

Mortgage

Document Number	202000004425
Date	Mar 4, 2020
Instrument	4425

Lender

Name	TRUIST BK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 5, 2018
Property Address	10607 RHOADS DR, FREDERICKSBURG, VA 22407-7789
Document Number	201800003502
Instrument Date	Feb 15, 2018
Instrument	3502
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10607 RHOADS DR FREDERICKSBURG VA 224077789, FREDERICKSBURG, VA 22407-7789

Mortgage

Document Number	201800003503
Date	Mar 5, 2018
Instrument	3503

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10607 Rhoads Dr was $1,672.

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	$1,672.00	$226,800 Land $125,000 Building $101,800
2025			$226,800 Land $125,000 Building $101,800
2023	$1,506.00	$195,200 Land $100,000 Building $95,200	$195,200 Land $100,000 Building $95,200

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

Flood

FEMA maps place 10607 Rhoads Dr 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	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

Wildfire risk around 10607 Rhoads Dr 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people · EPA ID VA6177300
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

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.

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