Spotsylvania County property record for 224 Three Cedars Ln, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 1977 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $322,100 (Jun 2022) |
| Tax Bill | $2,649 (2026) |
| Deeds & Mortgages | Jan 2023 Transfer Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35C-1-5 |
| Primary APN | 35C-1-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,488 sqft Finished Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 46,609 sqft (1.07 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 36 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 224 THREE CEDARS LN |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-4320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU - RURAL |
| Legal Description | THREE CEDARS LOT 5 |
| Legal Subdivision | THREE CEDARS |
| Legal Lot Number | 5 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | BATTLEFIELD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20309 |
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 | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2023 | Intrafamily Transfer, Transfer |
| Jun 15, 2022 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 9, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 2, 2019 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2022 · Amount on Record |
| Deed Sale | Jun 15, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2008 · Amount on Record |
| Deed Document Number | 202212745 |
| Last Transfer Date | Jan 5, 2023 |
| Transfer Doc | 0000000156 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jan 5, 2023 |
| Property Address | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0230000156 |
| Instrument Date | Jan 5, 2023 |
| Instrument | 230000156 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jun 15, 2022 |
| Property Address | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0220012745 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 220012745 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2022 |
| Title Company | NOT AVAILABLE, ALFORD TITLE AND CONSULTING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0220012746 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 220012746 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 201900019902 |
| Instrument Date | Nov 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 224 THREE CEDARS LN FREDERICKSBURG VA 224074320, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 201900019902 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 19902 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Nov 17, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 224 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 201900001770 |
| Instrument Date | Feb 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2019 |
| Name | Verified Name |
|---|---|
| Address | 224 THREE CEDARS LN FREDERICKSBURG VA 224074320, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 201900001770 |
|---|---|
| Date | Feb 7, 2019 |
| Instrument | 1770 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 6, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.99% |
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 | $2,649.00 (+20.74%) | $359,400 (+20.28%) Land $155,000 Building $204,400 | |
| 2025 | $2,194.00 (+43.4%) | $298,800 (+50.68%) Land $125,000 Building $173,800 | $359,400 (+20.28%) Land $155,000 Building $204,400 |
| 2024 | $298,800 (+50.68%) Land $125,000 Building $173,800 | ||
| 2023 | $1,530.00 | $198,300 Land $95,000 Building $103,300 | $198,300 Land $95,000 Building $103,300 |
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 | 4 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jan 2017 · river or lake flooding |
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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