5 River Downs Dr, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 5 River Downs Dr, Fredericksburg, VA 22407 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,134 sqft · built 1984
Lot Size	6.6 acres (287,496 sqft)
Last Sale	$348,750 (Dec 2013)
Tax Bill	$4,848 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-12-24`

Property Details

APN / Parcel Number

Primary APN	`12-12-24`
Alternative APN	`012-12-24`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,134 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	287,496 sqft (6.6 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	336 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5 RIVER DOWNS DR
City	FREDERICKSBURG
State	VA
Zip	22407-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER DOWNS LOT 24 SEC 2
Legal Subdivision	RIVER DOWNS
Legal Lot Number	24
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1001
Census Tract	20106

Owner

Source: Spotsylvania County records · APN 12-12-24

Assessment roll updated August 11, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Dec 20, 2013 · Amount on Record
Deed Sale	Dec 20, 2013 · Amount on Record
Deed Document Number	201328095
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jul 09, 2026
Property Address	5 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Document Number	0000011036
Instrument Date	Jun 27, 2026
Instrument	202611036
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Mortgage

Document Number	0000011036,
Date	Jul 09, 2026
Instrument	202611036

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

Source: Spotsylvania County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,848.00 (+7.71%)	$657,600 (+7.26%) Land $259,400 Building $398,200
2025	$4,501.00 (+42.26%)	$613,100 (+49.5%) Land $205,000 Building $408,100	$657,600 (+7.26%) Land $259,400 Building $398,200
2024			$613,100 (+49.5%) Land $205,000 Building $408,100
2023	$3,164.00	$410,100 Land $150,600 Building $259,500	$410,100 Land $150,600 Building $259,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Spotsylvania County (51177C), updated May 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511770201061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 3 of 3 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.