Spotsylvania County property record for 11509 Bend Bow Dr, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,184 sqft · built 1988 |
| Lot Size | 0.301 acres (13,153 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Jun 2025) |
| Tax Bill | $2,873 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022H 4-188 |
| Primary APN | 022H 4-188 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Shingles |
| Roof Material | Composition Shingle |
| Lot Area | 13,153 sqft (0.301 acres) |
| Garage Type | Attached |
| Garage Area | 664 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 120 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 11509 BEND BOW DR |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-7492 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - RESID |
| Legal Description | ENCHANTED WOODS LOT 188 SEC 1 |
| Legal Subdivision | ENCHANTED WOODS |
| Legal Lot Number | 188 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | CHANCELLOR |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20112 |
Source: Spotsylvania County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 11509 BEND BOW DR, FREDERICKSBURG, VA 22407-7492 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 2, 2025 · Amount on Record |
| Deed Sale | Jun 2, 2025 · Amount on Record |
| Deed Document Number | 20257757 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Apr 29, 2026 |
| Property Address | 11509 BEND BOW DR, FREDERICKSBURG, VA 22407-7492 |
| Document Number | 0000006543 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20266543 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | REDWOOD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 11509 BEND BOW DR, FREDERICKSBURG, VA 22407-7492 |
| Document Number | 0000006543, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20266543 |
| Name | ATM LENDING CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.13% |
|---|---|
| Max Rate | -1% |
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 | $2,873.00 (+14.19%) | $389,700 (+13.71%) Land $160,000 Building $229,700 | |
| 2025 | $2,516.00 (+31.93%) | $342,700 (+38.63%) Land $125,000 Building $217,700 | $389,700 (+13.71%) Land $160,000 Building $229,700 |
| 2024 | $342,700 (+38.63%) Land $125,000 Building $217,700 | ||
| 2023 | $1,907.00 | $247,200 Land $105,000 Building $142,200 | $247,200 Land $105,000 Building $142,200 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 349 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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