115 Bluff Point Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 115 Bluff Point Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,594 sqft · built 1985
Lot Size	4.99 acres (217,364 sqft)
Owner	2 Company Names on Record
Last Sale	$517,200 (Aug 2022)
Tax Bill	$5,214 (2026)
Deeds & Mortgages	Apr 2024 Refinance Mar 2026 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`6A-1-15`

Property Details

APN / Parcel Number

Primary APN	`6A-1-15`
Alternative APNs	`006A 1-15` `06A 1-15`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,594 sqft Finished Area
Basement Area	2,218 sqft
Unfinished Basement	1,442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	217,364 sqft (4.99 acres)
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	923 sqft
Deck Area	343 sqft
Patio Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	115 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 15
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	15
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

Source: Spotsylvania County records, as of October 13, 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 Company Names on Record
Mailing Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING
Mar 24, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Mar 31, 2023	Intrafamily Transfer, Transfer · Stand-Alone Refinance NETWORK CAPITAL FUNDING CORPORATION
Mar 31, 2023	Intrafamily Transfer, Transfer
Aug 4, 2022	Intrafamily Transfer, Transfer
Aug 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NETWORK CAPITAL FUNDING CORPORATION
Jun 22, 2022	Warranty Deed, Transfer JT TITLE AND ESCROW LLC, J T TITLE & ESCROW LLC
Jan 31, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Prior Sale	Jun 22, 2022 · Amount on Record
Deed Document Number	202216074
Last Transfer Date	Mar 25, 2023
Transfer Doc	0000004035
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240004777
Date	Apr 16, 2024
Instrument	240004777

Lender

Name	NFM LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.13%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 24, 2026
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	0260004299
Map Reference	MB 388 PG 19
Instrument Date	Mar 18, 2026
Instrument	260004299
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	0260004300
Date	Mar 24, 2026
Instrument	260004300

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 31, 2023
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	0230004035
Instrument Date	Mar 25, 2023
Instrument	230004035
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	0230004036
Date	Mar 31, 2023
Instrument	230004036

Lender

Name	NETWORK CAPITAL FUNDING CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 31, 2023
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	0230004037
Instrument Date	Mar 25, 2023
Instrument	230004037
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 4, 2022
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	0220016074
Instrument Date	Jul 28, 2022
Instrument	220016074
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 3, 2022
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	0220015996
Instrument Date	Jul 28, 2022
Instrument	220015996
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	0220015997
Date	Aug 3, 2022
Instrument	220015997

Lender

Name	NETWORK CAPITAL FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jun 22, 2022
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	0220013243
Instrument Date	Jun 20, 2022
Instrument	220013243
Transaction Type	Transfer
Record Updated	Jul 6, 2022
Title Company	JT TITLE AND ESCROW LLC, J T TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CHERRY TREE LN, FREDERICKSBURG, VA 22405-3008

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	115 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	202000002453
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BLUFF POINT RD FREDERICKSBURG VA 224072300, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	202000002453
Date	Feb 6, 2020
Instrument	2453

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.63%

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	$5,214.00 (+5.65%)	$707,200 (+5.22%) Land $232,800 Building $474,400
2025	$4,935.00 (-0.16%)	$672,100 (+4.92%) Land $183,900 Building $488,200	$707,200 (+5.22%) Land $232,800 Building $474,400
2024			$672,100 (+4.92%) Land $183,900 Building $488,200
2023	$4,943.00	$640,600 Land $141,900 Building $498,700	$640,600 Land $141,900 Building $498,700

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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