Spotsylvania County property record for 228 Three Cedars Ln, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1974 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Apr 2026) |
| Tax Bill | $2,178 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35C-1-4 |
| Primary APN | 35C-1-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 45,302 sqft (1.04 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 228 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 4 |
| Legal Subdivision | THREE CEDARS |
| Legal Lot Number | 4 |
| 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 | 228 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed, Transfer · Conventional Mortgage LOWER LLC |
| Sep 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRFAX MORTGAGE |
| Oct 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2026 · Amount on Record |
| Deed Sale | Apr 22, 2026 · Amount on Record |
| Prior Sale | Sep 19, 2022 · Amount on Record |
| Deed Document Number | 20266116 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Apr 22, 2026 |
| Property Address | 228 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0000006116 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20266116 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34,340.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 228 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0000006119, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20266119 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000006120, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20266120 |
| Name | ANDREWS FEDERAL CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Sep 19, 2022 |
| Property Address | 228 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0220018778 |
| Instrument Date | Sep 15, 2022 |
| Instrument | 220018778 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | JDM TITLE LLC |
| 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 | 228 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 0220018779 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 220018779 |
| Name | FAIRFAX MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Oct 23, 2020 |
| Property Address | 228 THREE CEDARS LN, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 202000025004 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 25004 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $218.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 THREE CEDARS LN FREDERICKSBURG VA 224074320, FREDERICKSBURG, VA 22407-4320 |
| Document Number | 202000025005 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 25005 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Rate Type | Fixed Rate |
|---|
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 | $2,178.00 (+21.27%) | $295,500 (+20.81%) Land $155,000 Building $140,500 | |
| 2025 | $1,796.00 (+39.33%) | $244,600 (+46.38%) Land $125,000 Building $119,600 | $295,500 (+20.81%) Land $155,000 Building $140,500 |
| 2024 | $244,600 (+46.38%) Land $125,000 Building $119,600 | ||
| 2023 | $1,289.00 | $167,100 Land $95,000 Building $72,100 | $167,100 Land $95,000 Building $72,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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