Spotsylvania County property record for 3900 Lancaster Ring Rd, Fredericksburg, VA 22408
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,582 sqft · built 1998 |
| Lot Size | 0.459 acres (20,014 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,999 (Jul 2013) |
| Tax Bill | $3,319 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050A 5-172 |
| Primary APN | 050A 5-172 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,582 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 20,014 sqft (0.459 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3900 LANCASTER RING RD |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22408-8767 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU - RURAL |
| Legal Description | LANCASTER GATE LOT 172 SEC 3B |
| Legal Subdivision | LANCASTER GATE |
| Legal Lot Number | 172 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | BERKELEY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20207 |
3900 Lancaster Ring Rd is owned and occupied by an individual who acquired it in August 2021.
Source: Spotsylvania County records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC |
| Jun 1, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 24, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2013 · Amount on File |
| Deed Sale | Jul 10, 2013 · Amount on File |
| Prior Sale | Sep 24, 1998 · Amount on File |
| Deed Document Number | 201315861 |
| Last Transfer Date | Aug 13, 2021 |
| Transfer Doc | 0000025695 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Oct 9, 2025 |
| Property Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Document Number | 0250015265 |
| Map Reference | FILE 6 PG 590-592 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 250015265 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210025696 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 210025696 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0210016667 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 210016667 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Aug 24, 2021 |
| Property Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Document Number | 210025695 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 210025695 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 LANCASTER RING RD, FREDERICKSBURG, VA 22408-8767 |
| Document Number | 0210025696 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 210025696 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 3900 Lancaster Ring Rd was $3,319, up 10.1% from the year before.
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 | $3,319.00 (+10.08%) | $450,200 (+9.62%) Land $160,000 Building $290,200 | |
| 2025 | $3,015.00 | $410,700 Land $135,000 Building $275,700 | $450,200 (+9.62%) Land $160,000 Building $290,200 |
| 2024 | $410,700 (+23.59%) Land $135,000 Building $275,700 | ||
| 2023 | $2,564.00 | $332,300 Land $100,000 Building $232,300 | $332,300 Land $100,000 Building $232,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3900 Lancaster Ring Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3900 Lancaster Ring Rd 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 | 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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