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6109 Thayer St, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 6109 Thayer St, Fredericksburg, VA 22407

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,392 sqft · built 1990
Lot Size0.342 acres (14,888 sqft)
Owner2 Individual Names on File
Last Sale$440,000 (Sep 2021)
Tax Bill$4,010 (2026)
Deeds & MortgagesSep 2021 Sale & Mortgage
Feb 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN034G 7-234

Property Details

APN / Parcel Number

Primary APN034G 7-234
Alternative APN
  • 34G-7-234

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,392 sqft Finished Area
Basement Area1,466 sqft
Unfinished Basement1,466 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialMetal
Roof MaterialComposition Shingle
Lot Area14,888 sqft (0.342 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area287 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address6109 THAYER ST
CityFREDERICKSBURG
StateVA
Zip22407-8315
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU - RURAL
Legal DescriptionFOX POINT LOT 234 SEC 7
Legal SubdivisionFOX POINT
Legal Lot Number234
JurisdictionSPOTSYLVANIA VA
Township / Civil DivisionBATTLEFIELD
Census Block Group1
Census Block1002
Census Tract20309

Owner

Source: Spotsylvania County records · APN 034G 7-234

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.

Owner of Record2 Individual Names on File
Mailing Address6109 THAYER ST, FREDERICKSBURG, VA 22407-8315
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 13, 2021Warranty Deed, Transfer · Conventional Mortgage
SOUTHERN TRUST MORTGAGE LLC
Feb 17, 2017Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 13, 2021 · Amount on Record
Deed SaleSep 13, 2021 · Amount on Record
Deed Document Number202127635
Record UpdatedSep 20, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSPOTSYLVANIA VA
Recording DateSep 13, 2021
Property Address6109 THAYER ST, FREDERICKSBURG, VA 22407-8315
Document Number210027635
Instrument DateSep 09, 2021
Instrument210027635
Transaction TypeTransfer
Record UpdatedSep 29, 2021
Title CompanyTITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6109 THAYER ST, FREDERICKSBURG, VA 22407-8315

Mortgage

Document Number210027636
DateSep 13, 2021
Instrument210027636
Lender
NameSOUTHERN TRUST MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 01, 2036
Interest
Rate TypeFixed Rate

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPOTSYLVANIA VA
Property Address6109 THAYER ST, FREDERICKSBURG, VA 22407-8315
Document Number201700004267
Instrument DateFeb 17, 2017
Transaction TypeMortgage
Record UpdatedAug 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address6109 THAYER ST FREDERICKSBURG VA 224078315, FREDERICKSBURG, VA 22407-8315

Mortgage

Document Number201700004267
DateMar 10, 2017
Instrument4267
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 09, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateVirginia
CountySpotsylvania County
Unified School DistrictSpotsylvania 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.

YearTax BillAssessed ValueAssessed Market Value
2026$4,010.00 (+40.7%)$544,000 (+47.27%) Land $170,000 Building $374,000
2025$544,000 (+47.27%) Land $170,000 Building $374,000
2023$2,850.00$369,400 Land $120,000 Building $249,400$369,400 Land $120,000 Building $249,400

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 511770203091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimJan 2017 · river or lake flooding

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 304 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250
AT&T
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemSPOTSYLVANIA COUNTY UTILITIES
serves 96,846 people
Water SourceSurface water
Last State InspectionJun 2021
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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