Spotsylvania County property record for 10818 Bent Tree Dr, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,007 sqft · built 1987 |
| Lot Size | 0.292 acres (12,741 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Jul 2026) |
| Tax Bill | $2,351 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023K 3-106 |
| Primary APN | 023K 3-106 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,007 sqft Finished Area |
| Basement Area | 864 sqft |
| Unfinished Basement | 518 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 12,741 sqft (0.292 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 246 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10818 BENT TREE DR |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-1651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - RESID |
| Legal Description | CEDARBROOK LOT 106 SEC 3 |
| Legal Subdivision | CEDARBROOK |
| Legal Lot Number | 106 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | COURTLAND |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 20304 |
Source: Spotsylvania County records · APN 023K 3-106
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 | 10818 BENT TREE DR, FREDERICKSBURG, VA 22407-1651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 06, 2026 | Deed, Transfer · VA Mortgage CHICAGO TITLE |
| Sep 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 21, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA FED'L SVGS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 06, 2026 · Amount on Record |
| Deed Sale | Jul 06, 2026 · Amount on Record |
| Prior Sale | Sep 10, 2021 · Amount on Record |
| Deed Document Number | 202610815 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jul 06, 2026 |
| Property Address | 10818 BENT TREE DR, FREDERICKSBURG, VA 22407-1651 |
| Document Number | 0000010815 |
| Instrument Date | Jul 01, 2026 |
| Instrument | 202610815 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2026 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41,410.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10818 BENT TREE DR, FREDERICKSBURG, VA 22407-1651 |
| Document Number | 0000010816, |
|---|---|
| Date | Jul 06, 2026 |
| Instrument | 202610816 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 10, 2021 |
| Property Address | 10818 BENT TREE DR, FREDERICKSBURG, VA 22407-1651 |
| Document Number | 210027472 |
| Instrument Date | Sep 01, 2021 |
| Instrument | 210027472 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | TITAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10818 BENT TREE DR, FREDERICKSBURG, VA 22407-1651 |
| Document Number | 210027473 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 210027473 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 10818 BENT TREE DR, FREDERICKSBURG, VA 22407-1651 |
| Document Number | 201900009668 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10818 BENT TREE DR FREDERICKSBURG VA 224071651, FREDERICKSBURG, VA 22407-1651 |
| Document Number | 201900009668 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | 9668 |
| Name | USAA FED'L SVGS BK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.13% |
Source: Spotsylvania County records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Spotsylvania County |
| Unified School District | Spotsylvania County Public Schools (PK - 12) |
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 | $2,351.00 (+11.79%) | $319,000 (+11.38%) Land $160,000 Building $159,000 | |
| 2025 | $2,103.00 (+9.76%) | $286,400 (+15.34%) Land $135,000 Building $151,400 | $319,000 (+11.38%) Land $160,000 Building $159,000 |
| 2024 | $286,400 (+15.34%) Land $135,000 Building $151,400 | ||
| 2023 | $1,916.00 | $248,300 Land $115,000 Building $133,300 | $248,300 Land $115,000 Building $133,300 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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.
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.
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 |
| 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.
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