6620 River Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 6620 River Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,248 sqft · built 1987
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (May 2019)
Tax Bill	$3,414 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-A-2B`

Property Details

APN / Parcel Number

Primary APN	`12-A-2B`
Alternative APN	`012-A-2B`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,248 sqft Finished Area
Basement Area	1,248 sqft
Unfinished Basement	998 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	288 sqft
Patio Area	1,116 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6620 RIVER RD
City	FREDERICKSBURG
State	VA
Zip	22407-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER ROAD
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	3
Census Block	3000
Census Tract	20106

Owner

6620 River Rd is owned and occupied by two individuals who bought it in May 2019.

Source: Spotsylvania County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6620 RIVER RD, FREDERICKSBURG, VA 22407-2322
Occupancy	Owner Occupied
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
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 19, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
May 3, 2019	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on File
Deed Sale	May 3, 2019 · Amount on File
Deed Document Number	20196555
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	6620 RIVER RD, FREDERICKSBURG, VA 22407-2322
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220011808
Date	Jun 2, 2022
Instrument	220011808

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Apr 28, 2052

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	6620 RIVER RD, FREDERICKSBURG, VA 22407-2322
Document Number	202000013247
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6620 RIVER RD FREDERICKSBURG VA 224072322, FREDERICKSBURG, VA 22407-2322

Mortgage

Document Number	202000013247
Date	Jun 29, 2020
Instrument	13247

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 3, 2019
Property Address	6620 RIVER RD, FREDERICKSBURG, VA 22407-2322
Document Number	201900006555
Instrument Date	Apr 24, 2019
Instrument	6555
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6620 RIVER RD FREDERICKSBURG VA 224072322, FREDERICKSBURG, VA 22407-2322

Mortgage

Document Number	201900006556
Date	May 3, 2019
Instrument	6556

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 6620 River Rd was $3,414.

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	$3,414.00	$463,100 Land $209,500 Building $253,600
2025			$463,100 Land $209,500 Building $253,600
2023	$2,692.00	$348,900 Land $125,000 Building $223,900	$348,900 Land $125,000 Building $223,900

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

Flood

FEMA maps place 6620 River Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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	1 in force
Nearby Flood Claims	2 (2019–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2024 · other causes

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 6620 River Rd is low, with a 0.02% 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	0.02% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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