6309 River Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 6309 River Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,657 sqft · built 1978
Lot Size	3.77 acres (164,221 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2026)
Tax Bill	$4,035 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12-11-2`

Property Details

APN / Parcel Number

Primary APN	`12-11-2`
Alternative APN	`012-11-2`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,657 sqft Finished Area
Basement Area	560 sqft
Unfinished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	164,221 sqft (3.77 acres)
Garage Type	Detached
Garage Area	480 sqft

Exterior Amenities

Porch	Slab
Porch Area	687 sqft
Deck Area	45 sqft
Patio Area	536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6309 RIVER RD
City	FREDERICKSBURG
State	VA
Zip	22407-2252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER DOWNS LOT 2 SEC 1
Legal Subdivision	RIVER DOWNS
Legal Lot Number	2
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1001
Census Tract	20106

Owner

6309 River Rd is owned by an individual who bought it in April 2026.

Source: Spotsylvania County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	6 CAVERN CT, FREDERICKSBURG, VA 22406-7475
Owner Type	Individual

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 28, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Sep 25, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Apr 13, 2026	Deed, Transfer · Construction Mortgage FIDELITY NATIONAL TITLE
Mar 2, 2023	Transfer on Death Deed, Transfer
Mar 2, 2023	Intrafamily Transfer, Transfer
Mar 12, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Deed Document Number	20265577
Prior Transfer Date	Feb 22, 2023
Prior Transfer Doc	0000002669
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Sep 28, 2026
Property Address	6309 RIVER RD, FREDERICKSBURG, VA 22407-2252
Document Number	0000015668
Instrument Date	Sep 22, 2026
Instrument	202615668
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CAVERN CT, FREDERICKSBURG, VA 22406-7475

Mortgage

Document Number	0000015668,
Date	Sep 28, 2026
Instrument	202615668

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Sep 25, 2026
Property Address	6309 RIVER RD, FREDERICKSBURG, VA 22407-2252
Document Number	0000015636
Instrument Date	Sep 18, 2026
Instrument	202615636
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CAVERN CT, FREDERICKSBURG, VA 22406-7475

Mortgage

Document Number	0000015636,
Date	Sep 25, 2026
Instrument	202615636

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	9%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Apr 13, 2026
Property Address	6309 RIVER RD, FREDERICKSBURG, VA 22407-2252
Document Number	0000005577
Instrument Date	Mar 25, 2026
Instrument	2026.5577
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,150.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CAVERN CT, FREDERICKSBURG, VA 22406-7475

Mortgage

Document Number	0000005578,
Date	Apr 13, 2026
Instrument	2026..5578

Lender

Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 30, 2027

Interest

Rate	5.98%
Max Rate	-1%

March 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 2, 2023
Property Address	6309 RIVER RD, FREDERICKSBURG, VA 22407-2252
Document Number	0230002669
Instrument Date	Feb 22, 2023
Instrument	230002669
Transaction Type	Transfer
Record Updated	Mar 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3634, FREDERICKSBURG, VA 22402-3634

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 2, 2023
Property Address	6309 RIVER RD, FREDERICKSBURG, VA 22407-2252
Document Number	0230002668
Instrument Date	Feb 22, 2023
Instrument	230002668
Transaction Type	Transfer
Record Updated	Mar 15, 2023

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	PO BOX 3634, FREDERICKSBURG, VA 22402-3634

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Mar 12, 2018
Property Address	6309 RIVER RD, FREDERICKSBURG, VA 22407-2252
Document Number	201800003891
Instrument Date	Mar 7, 2018
Instrument	3891
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	PO BOX 3634 FREDERICKSBURG VA 224023634, FREDERICKSBURG, VA 22402-3634

Tax Assessment & Valuation

The 2026 property tax bill for 6309 River Rd was $4,035, up 54.4% 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	$4,035.00 (+54.36%)	$547,400 (+53.76%) Land $205,700 Building $341,700
2025	$2,614.00	$356,000 Land $161,000 Building $195,000	$547,400 (+53.76%) Land $205,700 Building $341,700
2024			$356,000 (+20.39%) Land $161,000 Building $195,000
2023	$2,281.00	$295,700 Land $122,700 Building $173,000	$295,700 Land $122,700 Building $173,000

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

Flood

FEMA maps place 6309 River Rd in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 6309 River Rd 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	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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures