Spotsylvania County property record for 10903 Peach Tree Dr, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,080 sqft · built 1997 |
| Lot Size | 0.563 acres (24,528 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,900 (Dec 2015) |
| Tax Bill | $2,775 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 021K 6-200 |
| Primary APN | 021K 6-200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,080 sqft Finished Area |
| Basement Area | 1,080 sqft |
| Finished Basement | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 24,528 sqft (0.563 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10903 PEACH TREE DR |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-7330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU - RURAL |
| Legal Description | RAINTREE LOT 200 SEC 5 |
| Legal Subdivision | RAINTREE |
| Legal Lot Number | 200 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | CHANCELLOR |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20113 |
10903 Peach Tree Dr is owned and occupied by two individuals who bought it in December 2015.
Source: Spotsylvania County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10903 PEACH TREE DR, FREDERICKSBURG, VA 22407-7330 |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TOPSIDE FEDERAL CREDIT UNION |
| Nov 26, 2019 | Deed of Trust, Mortgage · Conventional with PMI NSWC FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2015 · Amount on File |
| Deed Sale | Dec 18, 2015 · Amount on File |
| Prior Sale | Sep 16, 2009 · Amount on File |
| Deed Document Number | 201521278 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 10903 PEACH TREE DR, FREDERICKSBURG, VA 22407-7330 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | EKKO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0210018763 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 210018763 |
| Name | TOPSIDE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 10903 PEACH TREE DR, FREDERICKSBURG, VA 22407-7330 |
| Document Number | 201900020849 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10903 PEACH TREE DR FREDERICKSBURG VA 224077330, FREDERICKSBURG, VA 22407-7330 |
| Document Number | 201900020849 |
|---|---|
| Date | Dec 2, 2019 |
| Instrument | 20849 |
| Name | NSWC FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
The 2026 property tax bill for 10903 Peach Tree Dr was $2,775.
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 | $2,775.00 | $376,400 Land $150,000 Building $226,400 | |
| 2025 | $376,400 Land $150,000 Building $226,400 | ||
| 2023 | $2,127.00 | $275,700 Land $100,000 Building $175,700 | $275,700 Land $100,000 Building $175,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10903 Peach Tree Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 10, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 10903 Peach Tree Dr is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
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