10720 Post Oak Rd, Spotsylvania, VA 22551 Property Records

Spotsylvania County property record for 10720 Post Oak Rd, Spotsylvania, VA 22551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,436 sqft · built 2006
Lot Size	6.53 acres (284,447 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,900 (Dec 2006)
Tax Bill	$3,435 (2026)
Deeds & Mortgages	Jul 2021 Refinance Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-A-22B`

Property Details

APN / Parcel Number

Primary APN	`45-A-22B`
Alternative APN	`045-A-22B`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,436 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	284,447 sqft (6.53 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	440 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10720 POST OAK RD
City	SPOTSYLVANIA
State	VA
Zip	22551-5033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3 - AGRIC
Legal Description	MCHENRY 606 PARCEL 22B
Legal Subdivision	DICKINSON PROP
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	LIVINGSTON
Census Block Group	3
Census Block	3016
Census Tract	20406

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	10720 POST OAK RD, SPOTSYLVANIA, VA 22551-5033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 13, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Feb 13, 2017	Deed of Trust, Mortgage · VA Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2006 · Amount on Record
Deed Sale	Dec 29, 2006 · Amount on Record
Deed Document Number	200644246
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10720 POST OAK RD, SPOTSYLVANIA, VA 22551-5033
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210020685
Date	Jul 7, 2021
Instrument	210020685

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10720 POST OAK RD, SPOTSYLVANIA, VA 22551-5033
Document Number	202000015017
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10720 POST OAK RD SPOTSYLVANIA VA 225515033, SPOTSYLVANIA, VA 22551-5033

Mortgage

Document Number	202000015017
Date	Jul 17, 2020
Instrument	15017

Lender

Name	GUARANTEED RATE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10720 POST OAK RD, SPOTSYLVANIA, VA 22551-5033
Document Number	201700002880
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10720 POST OAK RD SPOTSYLVANIA VA 225515033, SPOTSYLVANIA, VA 22551-5033

Mortgage

Document Number	201700002880
Date	Feb 17, 2017
Instrument	2880

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2047

Interest

Rate	3.25%

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	$3,435.00 (+36.53%)	$466,000 (+42.9%) Land $111,500 Building $354,500
2025			$466,000 (+42.9%) Land $111,500 Building $354,500
2023	$2,516.00	$326,100 Land $64,900 Building $261,200	$326,100 Land $64,900 Building $261,200

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

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	1 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	0.03% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
iWiSP Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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