11120 Gander Ct, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 11120 Gander Ct, Fredericksburg, VA 22407

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,504 sqft · built 2002
Lot Size	0.039 acres (1,700 sqft)
Owner	Individual Name on Record
Last Sale	$402,500 (May 2026)
Tax Bill	$2,673 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22T-17-58`

Property Details

APN / Parcel Number

Primary APN	`22T-17-58`
Alternative APN	`022T17-58`

Interior

Bedrooms	3 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

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	1,700 sqft (0.039 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	11120 GANDER CT
City	FREDERICKSBURG
State	VA
Zip	22407-2554
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	P3
Legal Description	FAIRFIELD (SALEM FIELDS) LOT 58 SEC 1B
Legal Subdivision	FAIRFIELD (SALEM FIELDS)
Legal Lot Number	58
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2013
Census Tract	20114

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	Individual Name on Record
Mailing Address	11120 GANDER CT, FREDERICKSBURG, VA 22407-2554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
May 28, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage CALCON MUTUAL MORTGAGE
Jun 29, 2018	Warranty Deed, Transfer · FHA Mortgage SUMMIT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	20268359
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	11120 GANDER CT, FREDERICKSBURG, VA 22407-2554
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230015397
Date	Nov 17, 2023
Instrument	230015397

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 28, 2026
Property Address	11120 GANDER CT, FREDERICKSBURG, VA 22407-2554
Document Number	0000008359
Instrument Date	Mar 30, 2026
Instrument	20268359
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$40,652.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11120 GANDER CT, FREDERICKSBURG, VA 22407-2554

Mortgage

Document Number	0000008360,
Date	May 28, 2026
Instrument	20268360

Lender

Name	CALCON MUTUAL MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000008361,
Date	May 28, 2026
Instrument	20268361

Lender

Name	CALCON MUTUAL MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jun 29, 2018
Property Address	11120 GANDER CT, FREDERICKSBURG, VA 22407-2554
Document Number	201800010595
Instrument Date	Jun 27, 2018
Instrument	10595
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11120 GANDER CT FREDERICKSBURG VA 224072554, FREDERICKSBURG, VA 22407-2554

Mortgage

Document Number	201800010596
Date	Jun 29, 2018
Instrument	10596

Lender

Name	SUMMIT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$2,673.00 (+6.49%)	$362,600 (+6.05%) Land $130,000 Building $232,600
2025	$2,510.00 (+23.58%)	$341,900 (+29.85%) Land $100,000 Building $241,900	$362,600 (+6.05%) Land $130,000 Building $232,600
2024			$341,900 (+29.85%) Land $100,000 Building $241,900
2023	$2,031.00	$263,300 Land $70,000 Building $193,300	$263,300 Land $70,000 Building $193,300

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
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.

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	0.01% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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