5 Beech Tree Ct, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 5 Beech Tree Ct, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,518 sqft · built 1988
Lot Size	4.05 acres (176,418 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Sep 2019)
Tax Bill	$4,933 (2026)
Deeds & Mortgages	Jun 2021 Refinance Sep 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6-1-86`

Property Details

APN / Parcel Number

Primary APN	`6-1-86`
Alternative APNs	`006-1-86` `06-1-86`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,518 sqft Finished Area
Basement Area	1,074 sqft
Unfinished Basement	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	176,418 sqft (4.05 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	292 sqft
Deck Area	765 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5 BEECH TREE CT
City	FREDERICKSBURG
State	VA
Zip	22407-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER BLUFFS LOT 86 SEC 3
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	86
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

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	2 Individual Names on Record
Mailing Address	5 BEECH TREE CT, FREDERICKSBURG, VA 22407-2320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC COAST MORTGAGE LLC
Sep 3, 2019	Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MTG
Apr 6, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 19, 2017	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU
May 9, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Prior Sale	May 9, 2017 · Amount on Record
Deed Document Number	201914343
Prior Transfer Date	Mar 29, 2018
Prior Transfer Doc	0000005489
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	5 BEECH TREE CT, FREDERICKSBURG, VA 22407-2320
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210016688
Date	Jun 1, 2021
Instrument	210016688

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Sep 3, 2019
Property Address	5 BEECH TREE CT, FREDERICKSBURG, VA 22407-2320
Document Number	201900014343
Instrument Date	Aug 28, 2019
Instrument	14343
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BEECH TREE CT FREDERICKSBURG VA 224072320, FREDERICKSBURG, VA 22407-2320

Mortgage

Document Number	201900014344
Date	Sep 3, 2019
Instrument	14344

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

Interest

Rate Type	Fixed Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Apr 6, 2018
Property Address	5 BEECH TREE CT, FREDERICKSBURG, VA 22407-2320
Document Number	201800005489
Instrument Date	Mar 29, 2018
Instrument	5489
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BEECH TREE CT FREDERICKSBURG VA 224072320, FREDERICKSBURG, VA 22407-2320

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	5 BEECH TREE CT, FREDERICKSBURG, VA 22407-2320
Document Number	201700013127
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013127
Date	Jul 24, 2017
Instrument	13127

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.63%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 9, 2017
Property Address	5 BEECH TREE CT, FREDERICKSBURG, VA 22407-2320
Document Number	201700008036
Instrument Date	May 8, 2017
Instrument	8036
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$535.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BEECH TREE CT FREDERICKSBURG VA 224072320, FREDERICKSBURG, VA 22407-2320

Tax Assessment & Valuation

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	$4,933.00 (+1,754.51%)	$669,100 (+14.2%) Land $258,100 Building $411,000
2025			$669,100 (+14.2%) Land $258,100 Building $411,000
2023	$266.00	$585,900 Land $157,000 Building $428,900	$585,900 Land $157,000 Building $428,900

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 May 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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