113 Bluff Point Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 113 Bluff Point Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,671 sqft · built 1978
Lot Size	4.68 acres (203,861 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (May 2006)
Tax Bill	$3,550 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6A-1-16`

Property Details

APN / Parcel Number

Primary APN	`6A-1-16`
Alternative APNs	`006A 1-16` `06A 1-16`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,671 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Shingles
Roof Material	Composition Shingle
Lot Area	203,861 sqft (4.68 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	428 sqft
Deck Area	328 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	113 BLUFF POINT RD
City	FREDERICKSBURG
State	VA
Zip	22407-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER BLUFFS LOT 16
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	16
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

Source: Spotsylvania County records, as of August 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	113 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit VIRGINIA CU INC
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit VIRGINIA CREDIT UNION INC
Jun 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VIRGINIA CREDIT UNION INC
Feb 2, 2018	Deed of Trust, Mortgage · FHA Mortgage MILEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2006 · Amount on Record
Deed Sale	May 17, 2006 · Amount on Record
Prior Sale	Aug 1, 2005 · Amount on Record
Deed Document Number	200617204
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	113 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	0250019421
Date	Dec 22, 2025
Instrument	250019421

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	113 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002905
Date	Feb 9, 2022
Instrument	220002905

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 4, 2042

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	113 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210018146
Date	Jun 14, 2021
Instrument	210018146

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.63%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	113 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	201800002089
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	201800002089
Date	Feb 8, 2018
Instrument	2089

Lender

Name	MILEND

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2048

Interest

Rate Type	Fixed Rate

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	$3,550.00 (+15.64%)	$481,600 (+21.04%) Land $227,600 Building $254,000
2025			$481,600 (+21.04%) Land $227,600 Building $254,000
2023	$3,070.00	$397,900 Land $138,600 Building $259,300	$397,900 Land $138,600 Building $259,300

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
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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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