Spotsylvania County property record for 11020 Gander Ct, Fredericksburg, VA 22407
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 2.5 ba · 1,504 sqft · built 2001 |
| Lot Size | 0.06 acres (2,635 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Jan 2025) |
| Tax Bill | $2,587 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22T-11-23 |
| Primary APN | 22T-11-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,504 sqft Finished Area |
| Basement Area | 744 sqft |
| Unfinished Basement | 564 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 2,635 sqft (0.06 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | 240 sqft |
| Patio Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 11020 GANDER CT |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-2530 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | P3 |
| Legal Description | FAIRFIELD (SALEM FIELDS) LOT 23 SEC 1-A PHASE 2 |
| Legal Subdivision | FAIRFIELD (SALEM FIELDS) |
| Legal Phase | 2 |
| Legal Lot Number | 23 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 20114 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 11020 GANDER CT, FREDERICKSBURG, VA 22407-2530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC |
| Jun 21, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FIN'L NTWK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2025 · Amount on Record |
| Deed Sale | Jan 8, 2025 · Amount on Record |
| Prior Sale | Oct 29, 2024 · Amount on Record |
| Deed Document Number | 2025308 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 11020 GANDER CT, FREDERICKSBURG, VA 22407-2530 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0220003765 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 220003765 |
| Name | CALIBER HOME LOANS INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jun 21, 2019 |
| Property Address | 11020 GANDER CT, FREDERICKSBURG, VA 22407-2530 |
| Document Number | 201900009504 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 9504 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11020 GANDER CT FREDERICKSBURG VA 224072530, FREDERICKSBURG, VA 22407-2530 |
| Document Number | 201900009505 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 9505 |
| Name | AMERICAN FIN'L NTWK INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2049 |
| 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 | $2,587.00 (+6.5%) | $351,000 (+6.11%) Land $135,000 Building $216,000 | |
| 2025 | $2,429.00 (+21.75%) | $330,800 (+27.92%) Land $105,000 Building $225,800 | $351,000 (+6.11%) Land $135,000 Building $216,000 |
| 2024 | $330,800 (+27.92%) Land $105,000 Building $225,800 | ||
| 2023 | $1,995.00 | $258,600 Land $75,000 Building $183,600 | $258,600 Land $75,000 Building $183,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 165 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 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
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