Fairfax County property record for 3909 Pender Spring Dr, Fairfax, VA 22033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,174 sqft · built 1999 |
| Lot Size | 0.505 acres (22,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,200,000 (Sep 2023) |
| Tax Bill | $13,741 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0464-13-0012 |
| Primary APN | 0464-13-0012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,174 sqft Living Area |
| Gross Area | 4,498 sqft |
| Basement Area | 840 sqft |
| Game Room | Game Room |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 22,008 sqft (0.505 acres) |
| View / Lot | Buildable |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 252 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3909 PENDER SPRING DR |
|---|---|
| City | FAIRFAX |
| State | VA |
| Zip | 22033-2750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Description | SMC PENDERBROOK LT 12 |
| Legal Subdivision | SMC PENDERBROOK |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | FAIRFAX VA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 481702 |
3909 Pender Spring Dr is owned and occupied by two individuals who bought it in September 2023.
Source: Fairfax County records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL |
| Sep 11, 2023 | Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Mar 29, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage ATLANTIC UNION BANK |
| Mar 9, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2023 · Amount on File |
| Deed Sale | Sep 11, 2023 · Amount on File |
| Prior Sale | Mar 25, 2009 · Amount on File |
| Deed Document Number | 202342500 |
| Deed Book / Page | 27991 / 1164 |
| Prior Transfer Date | Mar 27, 2023 |
| Prior Transfer Doc | 0012731001 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFAX VA |
| Recording Date | Jul 29, 2026 |
| Property Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Document Number | 0000045776 |
| Book / Page | 28762 / 501 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202645776 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Document Number | 0000045776, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 28762/501 |
| Instrument | 202645776 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAIRFAX VA |
| Recording Date | Sep 11, 2023 |
| Property Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Document Number | 0042500001 |
| Book / Page | 27991 / 1164 |
| Map Reference | MB 10899 PG 1940 |
| Instrument Date | Sep 8, 2023 |
| Instrument | 2023042500.001 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Document Number | 0279911166 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 27991/1166 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FAIRFAX VA |
| Recording Date | Mar 29, 2023 |
| Property Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Document Number | 0012731001 |
| Book / Page | 27873 / 777 |
| Map Reference | MB 10899 PG 1940 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 2023012731.001 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3061 MIRASSOU ESTATE PL, SAN JOSE, CA 95135-2383 |
| Document Number | 0027873780 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 27873/780 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year T-Bill |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFAX VA |
| Property Address | 3909 PENDER SPRING DR, FAIRFAX, VA 22033-2750 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3061 MIRASSOU ESTATE PL, SAN JOSE, CA 95135-2383 |
| Document Number | 0020718001 |
|---|---|
| Date | Mar 9, 2022 |
| Book Page | 27580/637 |
| Instrument | 2022020718.001 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3909 Pender Spring Dr was $13,741, up 15.2% from the year before.
Source: Fairfax County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Fairfax County |
| Unified School District | Fairfax County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,741.00 (+15.17%) | $1,188,740 Land $386,000 Building $802,740 | $1,188,740 Land $386,000 Building $802,740 |
| 2024 | $11,931.00 (+1.17%) | ||
| 2023 | $11,793.00 | $1,045,050 Land $326,000 Building $719,050 | $1,045,050 Land $326,000 Building $719,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3909 Pender Spring Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 7, 2025 · 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 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 3909 Pender Spring Dr is low, with less than 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 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FAIRFAX COUNTY WATER AUTHORITY serves 1,121,613 people · EPA ID VA6059501 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2022 |
| Lead | 1 ppb (2021–2023) 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 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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