5 Sumner Ct, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 5 Sumner Ct, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,668 sqft · built 1976
Lot Size	0.352 acres (15,352 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Sep 2023)
Tax Bill	$2,805 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23E-1-74`

Property Details

APN / Parcel Number

Primary APN	`23E-1-74`
Alternative APN	`023E 1-74`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,668 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	15,352 sqft (0.352 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Deck Area	72 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5 SUMNER CT
City	FREDERICKSBURG
State	VA
Zip	22407-6829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - RESID
Legal Description	MAPLE GROVE LOT 74 SEC 1
Legal Subdivision	MAPLE GROVE
Legal Lot Number	74
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1001
Census Tract	20108

Owner

5 Sumner Ct is owned and occupied by two individuals who bought it in September 2023.

Source: Spotsylvania County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage M&T BANK
Aug 14, 2023	Warranty Deed, Transfer · Line of Credit PARTY III
Oct 24, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Aug 14, 2023 · Amount on File
Deed Document Number	202312634
Prior Transfer Date	Oct 21, 2022
Prior Transfer Doc	0000020737
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Sep 19, 2023
Property Address	5 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Document Number	0230012634
Instrument Date	Sep 18, 2023
Instrument	230012634
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	FIRST GUARDIAN TITLE AND ESCROW, FIRST GUARDIAN TITLE & ESCR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SUMNER CT, FREDERICKSBURG, VA 22407-6829

Mortgage

Document Number	0230012635
Date	Sep 19, 2023
Instrument	230012635

Lender

Name	M&T BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 14, 2023
Property Address	5 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Document Number	0230010858
Instrument Date	Aug 14, 2023
Instrument	230010858
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SYNAN RD STE 117, 117, FREDERICKSBURG, VA 22405-2463
Investor	Possibly a Property Investor

Mortgage

Document Number	0230010859
Date	Aug 14, 2023
Instrument	230010859

Lender

Name	PARTY III
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Oct 24, 2022
Property Address	5 SUMNER CT, FREDERICKSBURG, VA 22407-6829
Document Number	0220020737
Instrument Date	Oct 21, 2022
Instrument	220020737
Transaction Type	Transfer
Record Updated	Dec 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SUMNER CT, FREDERICKSBURG, VA 22407-6829

Tax Assessment & Valuation

The 2026 property tax bill for 5 Sumner Ct was $2,805, up 21% from the year before.

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	$2,805.00 (+21.01%)	$380,500 (+20.53%) Land $160,000 Building $220,500
2025	$2,318.00	$315,700 Land $125,000 Building $190,700	$380,500 (+20.53%) Land $160,000 Building $220,500
2024			$315,700 (+23.71%) Land $125,000 Building $190,700
2023	$1,969.00	$255,200 Land $110,000 Building $145,200	$255,200 Land $110,000 Building $145,200

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

Flood

FEMA maps place 5 Sumner Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Sumner Ct 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	None beyond ember reach

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	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

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 339 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

May also be available: AT&T, T-Mobile.

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