20 Bowman Ct, Fredericksburg, VA 22406 Property Records

Stafford County property record for 20 Bowman Ct, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,688 sqft · built 2015
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on File
Last Sale	$594,959 (Jul 2015)
Tax Bill	$6,404 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-38G`

Property Details

APN / Parcel Number

Primary APN	`37-38G`
Alternative APNs	`037 38G` `23511`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	4,688 sqft Living Area
Gross Area	5,724 sqft
1st Floor Area	3,560 sqft
Basement Area	1,664 sqft
Finished Basement	1,128 sqft
Unfinished Basement	536 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	61,855 sqft (1.42 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	192 sqft
Deck Area	372 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	23511
Street Address	20 BOWMAN CT
City	FREDERICKSBURG
State	VA
Zip	22406-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	POTOMAC RUN 1.42 AC PM130000159
Legal Subdivision	POTOMAC RUN
Legal Block	2
Legal Lot Number	20
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	2
Census Block	2022
Census Tract	10218

Owner

20 Bowman Ct is owned and occupied by two individuals who bought it in July 2015.

Source: Stafford County records, as of September 29, 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	20 BOWMAN CT, FREDERICKSBURG, VA 22406-4510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Dec 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK
Sep 1, 2020	Deed of Trust, Mortgage · Conventional with PMI CLEARPATH LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on File
Deed Sale	Jul 2, 2015 · Amount on File
Prior Sale	Feb 2, 2015 · Amount on File
Deed Book / Page	1500 / 11174
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Recording Date	Sep 16, 2026
Property Address	20 BOWMAN CT, FREDERICKSBURG, VA 22406-4510
Document Number	0000013729
Instrument Date	Sep 10, 2026
Instrument	202613729
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013729,
Date	Sep 16, 2026
Instrument	202613729

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	20 BOWMAN CT, FREDERICKSBURG, VA 22406-4510
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230014887
Date	Dec 15, 2023
Instrument	230014887

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	20 BOWMAN CT, FREDERICKSBURG, VA 22406-4510
Document Number	200028019
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BOWMAN CT FREDERICKSBURG VA 224064510, FREDERICKSBURG, VA 22406-4510

Mortgage

Document Number	200028019
Date	Oct 23, 2020
Instrument	28019

Lender

Name	CLEARPATH LNDG

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Stafford County
Unified School District	Stafford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,404.00 (+8.6%)	$694,900 (+11.34%) Land $205,000 Building $489,900	$694,900 (+11.34%) Land $205,000 Building $489,900
2023	$5,897.00 (+5.02%)	$624,100 Land $160,000 Building $464,100	$624,100 Land $160,000 Building $464,100
2021	$5,615.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Bowman Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
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

Wildfire risk around 20 Bowman Ct 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STAFFORD COUNTY UTILITIES serves 123,684 people · EPA ID VA6179100
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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