Spotsylvania County property record for 11304 Piney Forest Dr, Bumpass, VA 23024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,833 sqft · built 2007 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $700,000 (Sep 2025) |
| Tax Bill | $5,010 (2026) |
| Deeds & Mortgages | Dec 2022 Refinance Aug 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 080E 3-117 |
| Primary APN | 080E 3-117 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,833 sqft Finished Area |
| Basement Area | 1,828 sqft |
| Unfinished Basement | 1,371 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 373 sqft |
| Deck Area | 720 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 11304 PINEY FOREST DR |
|---|---|
| City | BUMPASS |
| State | VA |
| Zip | 23024-9325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR - RESID |
| Legal Description | ROCKLAND CREEK ESTATES LOT 117 SEC 3 |
| Legal Subdivision | ROCKLAND CREEK ESTATES |
| Legal Lot Number | 117 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | BERKELEY |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20404 |
11304 Piney Forest Dr is owned and occupied by two individuals who bought it in September 2025.
Source: Spotsylvania County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11304 PINEY FOREST DR, BUMPASS, VA 23024-9325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Dec 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING |
| Aug 7, 2024 | Deed of Trust, Mortgage · Commercial Mortgage TOPSIDE FEDERAL CREDIT UNION |
| Sep 22, 2025 | Bargain and Sale Deed, Transfer · FHA Mortgage ATLANTIC UNION BANK |
| Nov 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| May 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on File |
| Deed Sale | Sep 22, 2025 · Amount on File |
| Prior Sale | Jan 20, 2015 · Amount on File |
| Deed Document Number | 202514140 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 11304 PINEY FOREST DR, BUMPASS, VA 23024-9325 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Title Company | VESTA SETTLEMENTS LLC |
| Name | Verified Name |
|---|
| Document Number | 0220023948 |
|---|---|
| Date | Dec 28, 2022 |
| Instrument | 220023948 |
| Name | NFM LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 11304 PINEY FOREST DR, BUMPASS, VA 23024-9325 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0240010797 |
|---|---|
| Date | Aug 7, 2024 |
| Instrument | 240010797 |
| Name | TOPSIDE FEDERAL CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 22, 2025 |
| Property Address | 11304 PINEY FOREST DR, BUMPASS, VA 23024-9325 |
| Document Number | 0250014140 |
| Map Reference | FILE 3 PG 429 |
| Instrument Date | Aug 16, 2025 |
| Instrument | 250014140 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Title Company | HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11304 PINEY FOREST DR, BUMPASS, VA 23024-9325 |
| Document Number | 0250014141 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 250014141 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 11304 PINEY FOREST RD, BUMPASS, VA 23024-9325 |
| Document Number | 201900021005 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11304 PINEY FOREST RD BUMPASS VA 230249325, BUMPASS, VA 23024-9325 |
| Document Number | 201900021005 |
|---|---|
| Date | Dec 3, 2019 |
| Instrument | 21005 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 11304 PINEY FOREST RD, BUMPASS, VA 23024-9325 |
| Document Number | 201700009809 |
| Instrument Date | May 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11304 PINEY FOREST RD BUMPASS VA 230249325, BUMPASS, VA 23024-9325 |
| Document Number | 201700009809 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | 9809 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | BUMPASS, VA 23024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2047 |
The 2026 property tax bill for 11304 Piney Forest Dr was $5,010, up 2% from the year before.
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 | $5,010.00 (+2.04%) | $679,600 (+1.63%) Land $67,900 Building $611,700 | |
| 2025 | $4,910.00 | $668,700 Land $45,400 Building $623,300 | $679,600 (+1.63%) Land $67,900 Building $611,700 |
| 2024 | $668,700 (+19.2%) Land $45,400 Building $623,300 | ||
| 2023 | $4,329.00 | $561,000 Land $35,900 Building $525,100 | $561,000 Land $35,900 Building $525,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11304 Piney Forest Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.
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 |
| Nearby Flood Claims | 2 (2018–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2020 · other causes |
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 risk around 11304 Piney Forest 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: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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