3 River Downs Dr, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 3 River Downs Dr, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,918 sqft · built 1999
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on File
Last Sale	$187,832 (Oct 1999)
Tax Bill	$3,902 (2026)
Deeds & Mortgages	Sep 2022 Refinance Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-12-25`

Property Details

APN / Parcel Number

Primary APN	`12-12-25`
Alternative APN	`012-12-25`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,918 sqft Finished Area
Basement Area	952 sqft
Unfinished Basement	666 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	219,978 sqft (5.05 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	170 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3 RIVER DOWNS DR
City	FREDERICKSBURG
State	VA
Zip	22407-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER DOWNS LOT 25 SEC 2
Legal Subdivision	RIVER DOWNS
Legal Lot Number	25
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1001
Census Tract	20106

Owner

Source: Spotsylvania County records · APN 12-12-25

Assessment roll updated August 11, 2026 · Last verified August 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 File
Mailing Address	3 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MANUFACTURERS & TRADERS TRUST COMPANY
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 22, 1999 · Amount on Record
Deed Sale	Oct 22, 1999 · Amount on Record
Deed Book / Page	1752 / 467
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220018601
Date	Sep 15, 2022
Instrument	220018601

Lender

Name	MANUFACTURERS & TRADERS TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Document Number	202000022073
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 06, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RIVER DOWNS DR FREDERICKSBURG VA 224072347, FREDERICKSBURG, VA 22407-2347

Mortgage

Document Number	202000022073
Date	Sep 23, 2020
Instrument	22073

Lender

Name	JP MORGAN CHASE BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 22, 2035

Interest

Rate Type	Fixed Rate
Rate	2.88%

Tax Assessment & Valuation

Source: Spotsylvania County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,902.00 (+25.59%)	$529,300 (+31.44%) Land $199,400 Building $329,900
2025			$529,300 (+31.44%) Land $199,400 Building $329,900
2023	$3,107.00	$402,700 Land $115,300 Building $287,400	$402,700 Land $115,300 Building $287,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 12 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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