3 Sumner Ct, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 3 Sumner Ct, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,348 sqft · built 1972
Lot Size	0.287 acres (12,528 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,770 (2026)
Deeds & Mortgages	Nov 2021 Refinance Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23E-1-72`

Property Details

APN / Parcel Number

Primary APN	`23E-1-72`
Alternative APN	`023E 1-72`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,348 sqft Finished Area
Basement Area	572 sqft
Finished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	12,528 sqft (0.287 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 SUMNER CT
City	FREDERICKSBURG
State	VA
Zip	22407-6829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - RESID
Legal Description	MAPLE GROVE LOT 72 SEC 1
Legal Subdivision	MAPLE GROVE
Legal Lot Number	72
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1001
Census Tract	20108

Owner

3 Sumner Ct is owned and occupied by two individuals who acquired it in August 2016.

Source: Spotsylvania County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TRUIST BANK
Jun 30, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 5, 2016
Transfer Doc	0000013486
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210034922
Date	Nov 29, 2021
Instrument	210034922

Lender

Name	TRUIST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Document Number	201700013863
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013863
Date	Aug 2, 2017
Instrument	13863

Lender

Name	SUNTRUST BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3 Sumner Ct was $2,770.

Source: Spotsylvania County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,770.00	$375,700 Land $160,000 Building $215,700
2025			$375,700 Land $160,000 Building $215,700
2023	$1,966.00	$254,800 Land $110,000 Building $144,800	$254,800 Land $110,000 Building $144,800

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

Flood

FEMA maps place 3 Sumner Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3 Sumner Ct is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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 339 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

May also be available: AT&T, T-Mobile.

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