117 Bluff Point Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 117 Bluff Point Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,701 sqft · built 1979
Lot Size	4.78 acres (208,217 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Dec 2018)
Tax Bill	$3,505 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Jan 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6A-1-14`

Property Details

APN / Parcel Number

Primary APN	`6A-1-14`
Alternative APNs	`006A 1-14` `06A 1-14`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,701 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	208,217 sqft (4.78 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	372 sqft
Deck Area	576 sqft
Patio Area	603 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	117 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 14
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	14
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 File
Mailing Address	117 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MCLEAN MORTGAGE CORPORATION
Apr 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MCLEAN MORTGAGE CORPORATION
Nov 8, 2019	Deed of Trust, Mortgage MCLEAN MTG
Dec 17, 2018	Warranty Deed, Transfer · Conventional with PMI MCLEAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on File
Deed Sale	Dec 17, 2018 · Amount on File
Deed Document Number	201820246
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	117 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	0260004340
Date	Mar 24, 2026
Instrument	260004340

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	117 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001596
Date	Jan 24, 2022
Instrument	220001596

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.13%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	117 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	0210009948
Date	Apr 2, 2021
Instrument	210009948

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.88%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	117 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	201900019917
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BLUFF POINT RD FREDERICKSBURG VA 224072300, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	201900019917
Date	Nov 18, 2019
Instrument	19917

Lender

Name	MCLEAN MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Dec 17, 2018
Property Address	117 BLUFF POINT RD, FREDERICKSBURG, VA 22407-2300
Document Number	201800020246
Instrument Date	Dec 12, 2018
Instrument	20246
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BLUFF POINT RD FREDERICKSBURG VA 224072300, FREDERICKSBURG, VA 22407-2300

Mortgage

Document Number	201800020247
Date	Dec 17, 2018
Instrument	20247

Lender

Name	MCLEAN MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record

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	$3,505.00 (+8.92%)	$475,400 (+8.46%) Land $237,500 Building $237,900
2025	$3,218.00 (+3.24%)	$438,300 (+8.49%) Land $187,500 Building $250,800	$475,400 (+8.46%) Land $237,500 Building $237,900
2024			$438,300 (+8.49%) Land $187,500 Building $250,800
2023	$3,117.00	$404,000 Land $144,700 Building $259,300	$404,000 Land $144,700 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

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

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