4125 N River St, Mc Lean, VA 22101 Property Records

Fairfax County property record for 4125 N River St, Mc Lean, VA 22101

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,008 sqft · built 1973
Lot Size	0.289 acres (12,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,077,000 (May 2020)
Tax Bill	$23,746 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0314-24-0038`

Property Details

APN / Parcel Number

Primary APN	`0314-24-0038`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,008 sqft Living Area
Gross Area	4,491 sqft
Basement Area	483 sqft
Game Room	Game Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,579 sqft (0.289 acres)
View / Lot	Buildable
Garage Type	Basement
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4125 N RIVER ST
City	MC LEAN
State	VA
Zip	22101-5818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	121
Legal Description	CHAIN BRIDGE FOREST LT 38 SEC 1
Legal Subdivision	CHAIN BRIDGE FOREST
Legal Block	1
Legal Lot Number	38
Jurisdiction	FAIRFAX VA
Township / Civil Division	DRANESVILLE
Census Block Group	1
Census Block	1011
Census Tract	470300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the George Washington Memorial Parkway listed 1995 · 1,010 contributing resources · NRIS 95000605

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Fairfax County records, as of September 15, 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 Record
Mailing Address	4125 N RIVER ST, MC LEAN, VA 22101-5818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Jan 6, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 29, 2020	Grant Deed, Transfer FIRST SVGS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	Apr 1, 1992
Deed Document Number	202049377001
Deed Book / Page	26264 / 705
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFAX VA
Recording Date	Sep 3, 2026
Property Address	4125 N RIVER ST, MC LEAN, VA 22101-5818
Document Number	0000053432
Book / Page	28791 / 710
Instrument Date	Aug 24, 2026
Instrument	202653432
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 N RIVER ST, MC LEAN, VA 22101-5818

Mortgage

Document Number	0000053432,
Date	Sep 3, 2026
Book Page	28791/710
Instrument	202653432

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 11, 2066

Interest

Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFAX VA
Property Address	4125 N RIVER ST, MC LEAN, VA 22101-5818
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000685001
Date	Jan 6, 2023
Book Page	27828/2194
Instrument	2023000685.001

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFAX VA
Property Address	4125 N RIVER ST, MC LEAN, VA 22101-5818
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	27348/1352
Date	Sep 21, 2021
Book Page	27348/1352
Instrument	2021144118.001

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FAIRFAX VA
Recording Date	May 29, 2020
Property Address	4125 N RIVER ST, MC LEAN, VA 22101-5818
Document Number	2020049377001
Book / Page	026264 / 000705
Instrument Date	May 15, 2020
Instrument	49377001
Transaction Type	Transfer
Record Updated	Jul 27, 2020
Title Company	KEY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,077.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4125 N RIVER ST MCLEAN VA 221015818, MCLEAN, VA 22101-5818

Mortgage

Document Number	2020049377002
Date	May 29, 2020
Book Page	026264/000707
Instrument	49377002

Lender

Name	FIRST SVGS MTG
Type	Mortgage Company
Address	8444 WESTPARK DR # 4TH, MCLEAN, VA 22102-5102

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Fairfax County assessment roll, as of September 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$23,746.00 (+19.92%)	$1,962,370 (+17.01%) Land $733,000 Building $1,229,370	$1,962,370 (+17.01%) Land $733,000 Building $1,229,370
2023	$19,802.00	$1,677,140 Land $771,000 Building $906,140	$1,677,140 Land $771,000 Building $906,140

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

Flood

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (2003–2019)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2019 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: Xfinity.

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