12640 Mill Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 12640 Mill Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,408 sqft · built 1984
Lot Size	9.92 acres (432,115 sqft)
Owner	2 Individual Names on Record
Last Sale	$549,000 (Nov 2021)
Tax Bill	$4,465 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-17-3B`

Property Details

APN / Parcel Number

Primary APN	`12-17-3B`
Alternative APN	`012-17-3B`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,408 sqft Finished Area
Basement Area	896 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	432,115 sqft (9.92 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Deck Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	12640 MILL RD
City	FREDERICKSBURG
State	VA
Zip	22407-2216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	GIBSON 619 PARCEL 3B
Legal Subdivision	FIVE MILE FORK
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	3
Census Block	3004
Census Tract	20106

Owner

Source: Spotsylvania County records, 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 Record
Mailing Address	12640 MILL RD, FREDERICKSBURG, VA 22407-2216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021 · Amount on Record
Deed Sale	Nov 18, 2021 · Amount on Record
Prior Sale	Oct 2, 2014 · Amount on Record
Deed Document Number	202134288
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Nov 18, 2021
Property Address	12640 MILL RD, FREDERICKSBURG, VA 22407-2216
Document Number	210034288
Instrument Date	Nov 17, 2021
Instrument	210034288
Transaction Type	Transfer
Record Updated	Dec 8, 2021
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	12640 MILL RD, FREDERICKSBURG, VA 22407-2216

Mortgage

Document Number	210034289
Date	Nov 18, 2021
Instrument	210034289

Lender

Name	M&T BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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	$4,465.00 (+24.51%)	$605,700 (+30.34%) Land $303,200 Building $302,500
2025			$605,700 (+30.34%) Land $303,200 Building $302,500
2023	$3,586.00	$464,700 Land $187,500 Building $277,200	$464,700 Land $187,500 Building $277,200

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	1 in force
Nearby Flood Claims	2 (2019–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2024 · 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

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 31 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mill Rd

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