Spotsylvania County property record for 3809 Lancaster Ring Rd, Fredericksburg, VA 22408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,692 sqft · built 1999 |
| Lot Size | 0.234 acres (10,207 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Sep 2015) |
| Tax Bill | $2,752 (2026) |
| Deeds & Mortgages | Dec 2023 Refinance May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050A 6-242 |
| Primary APN | 050A 6-242 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,692 sqft Finished Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 10,207 sqft (0.234 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3809 LANCASTER RING RD |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22408-8791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU - RURAL |
| Legal Description | LANCASTER GATE LOT 242 SEC 4 |
| Legal Subdivision | LANCASTER GATE |
| Legal Lot Number | 242 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | BERKELEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20207 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3809 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| May 28, 2019 | Deed of Trust, Mortgage · FHA Mortgage BNC NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2015 · Amount on Record |
| Deed Sale | Sep 18, 2015 · Amount on Record |
| Prior Sale | Jan 22, 2015 · Amount on Record |
| Deed Document Number | 201516072 |
| Prior Transfer Date | Dec 14, 2006 |
| Prior Transfer Doc | 0000042669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 3809 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0230015983 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 230015983 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 3809 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8791 |
| Document Number | 201900008366 |
| Instrument Date | May 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3809 LANCASTER RING RD FREDERICKSBURG VA 224088791, FREDERICKSBURG, VA 22408-8791 |
| Document Number | 201900008366 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 8366 |
| Name | BNC NAT'L BK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2049 |
| 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 | $2,752.00 (+29.26%) | $373,300 (+35.25%) Land $160,000 Building $213,300 | |
| 2025 | $373,300 (+35.25%) Land $160,000 Building $213,300 | ||
| 2023 | $2,129.00 | $276,000 Land $100,000 Building $176,000 | $276,000 Land $100,000 Building $176,000 |
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 | 2 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 140 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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