23 Rivergate Dr, Fredericksburg, VA 22406 Property Records

Stafford County property record for 23 Rivergate Dr, Fredericksburg, VA 22406

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,224 sqft · built 2003
Lot Size	4.44 acres (193,502 sqft)
Owner	2 Company Names on Record
Last Sale	$424,575 (Jun 2003)
Tax Bill	$6,900 (2025)
Deeds & Mortgages	Aug 2021 Refinance Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43K-6`

Property Details

APN / Parcel Number

Primary APN	`43K-6`
Alternative APNs	`043K 6` `40829`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,224 sqft Living Area
Basement Area	2,360 sqft
Finished Basement	1,724 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	193,502 sqft (4.44 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	528 sqft
Patio Area	528 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	40829
Old Parcel Number	043K 6
Street Address	23 RIVERGATE DR
City	FREDERICKSBURG
State	VA
Zip	22406-5442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1- AG MIN 3AC
Legal Description	LOT 6 4.4422 AC RIVERGATE
Legal Subdivision	RIVERGATE
Legal Lot Number	6 4
Jurisdiction	STAFFORD VA
Township / Civil Division	HARTWOOD
Census Block Group	3
Census Block	3015
Census Tract	10307

Owner

Source: Stafford County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	23 RIVERGATE DR, FREDERICKSBURG, VA 22406-5442
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH AMERICAN SAVINGS BANK FSB
Feb 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 18, 2003 · Amount on Record
Deed Sale	Jun 18, 2003 · Amount on Record
Prior Sale	Jun 18, 2003 · Amount on Record
Deed Document Number	030023704
Deed Book / Page	0300 / 23704
Last Transfer Date	Nov 15, 2024
Transfer Doc	0240014265
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	23 RIVERGATE DR, FREDERICKSBURG, VA 22406-5442
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210026311
Date	Aug 3, 2021
Instrument	210026311

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAFFORD VA
Property Address	23 RIVERGATE DR, FREDERICKSBURG, VA 22406-5442
Document Number	180002098
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 19, 2018
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 RIVERGATE DR FREDERICKSBURG VA 224065442, FREDERICKSBURG, VA 22406-5442

Mortgage

Document Number	180002098
Date	Feb 8, 2018
Instrument	2098

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 7, 2033

Interest

Rate	3.5%

Tax Assessment & Valuation

Source: Stafford County assessment roll, as of January 1, 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	$6,900.00 (+18.09%)	$736,700 (+19.13%) Land $170,000 Building $566,700	$736,700 (+19.13%) Land $170,000 Building $566,700
2023	$5,843.00 (+22.6%)	$618,400 Land $155,000 Building $463,400	$618,400 Land $155,000 Building $463,400
2021	$4,766.00

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 October 14, 2026 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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