Spotsylvania County property record for 10813 Bent Tree Dr, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,158 sqft · built 1987 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Sep 2025) |
| Tax Bill | $2,370 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance Jun 2022 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23K-2-76 |
| Primary APN | 23K-2-76 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,158 sqft Finished Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 276 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10813 BENT TREE DR |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-1652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - RESID |
| Legal Description | CEDARBROOK LOT 76 SEC 2 |
| Legal Subdivision | CEDARBROOK |
| Legal Lot Number | 76 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | COURTLAND |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 20304 |
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 | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CLEARPATH LENDING |
| Jun 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CLEARPATH LENDING |
| Sep 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage VELLUM MORTGAGE LLC |
| Jul 22, 2020 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG |
| Sep 16, 2019 | Quit Claim Deed, Mortgage · VA Mortgage CONTOUR MTG |
| Dec 28, 2018 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on Record |
| Deed Sale | Sep 30, 2025 · Amount on Record |
| Prior Sale | Dec 28, 2018 · Amount on Record |
| Deed Document Number | 202514619 |
| Prior Transfer Date | Sep 9, 2019 |
| Prior Transfer Doc | 0000015307 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0210020688 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 210020688 |
| Name | CLEARPATH LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0220013684 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 220013684 |
| Name | CLEARPATH LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 30, 2025 |
| Property Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 0250014619 |
| Map Reference | FILE 1 SH 41&42 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 250014619 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 0250014620 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 250014620 |
| Name | VELLUM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 202000018159 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10813 BENT TREE DR FREDERICKSBURG VA 224071652, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 202000018159 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 18159 |
| Name | CLEARPATH LNDG |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 16, 2019 |
| Property Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 201900015307 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 15307 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10813 BENT TREE DR FREDERICKSBURG VA 224071652, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 201900015308 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 15308 |
| Name | CONTOUR MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Dec 28, 2018 |
| Property Address | 10813 BENT TREE DR, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 201800020868 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 20868 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10813 BENT TREE DR FREDERICKSBURG VA 224071652, FREDERICKSBURG, VA 22407-1652 |
| Document Number | 201800020869 |
|---|---|
| Date | Dec 28, 2018 |
| Instrument | 20869 |
| Name | MORTGAGE RESEARCH CTR |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Spotsylvania County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Spotsylvania County |
| Unified School District | Spotsylvania County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,370.00 (+21.04%) | $321,500 (+20.55%) Land $160,000 Building $161,500 | |
| 2025 | $1,958.00 (+9.81%) | $266,700 (+15.4%) Land $135,000 Building $131,700 | $321,500 (+20.55%) Land $160,000 Building $161,500 |
| 2024 | $266,700 (+15.4%) Land $135,000 Building $131,700 | ||
| 2023 | $1,783.00 | $231,100 Land $115,000 Building $116,100 | $231,100 Land $115,000 Building $116,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.4% of Virginia |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 388 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 |
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