7 River Downs Dr, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 7 River Downs Dr, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,296 sqft · built 1983
Lot Size	3.24 acres (141,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2015)
Tax Bill	$3,424 (2026)
Deeds & Mortgages	Dec 2021 Refinance Nov 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-12-23`

Property Details

APN / Parcel Number

Primary APN	`12-12-23`
Alternative APN	`012-12-23`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,296 sqft Finished Area
Basement Area	1,296 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Bi-Level
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	141,134 sqft (3.24 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	456 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7 RIVER DOWNS DR
City	FREDERICKSBURG
State	VA
Zip	22407-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER DOWNS LOT 23 SEC 2
Legal Subdivision	RIVER DOWNS
Legal Lot Number	23
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1001
Census Tract	20106

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	7 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERIS BANK
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2015 · Amount on Record
Deed Sale	Sep 4, 2015 · Amount on Record
Deed Document Number	201515195
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210036324
Date	Dec 13, 2021
Instrument	210036324

Lender

Name	AMERIS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.38%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7 RIVER DOWNS DR, FREDERICKSBURG, VA 22407-2347
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210034918
Date	Nov 29, 2021
Instrument	210034918

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	286 Months
Due	Sep 1, 2045

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,424.00 (+58.08%)	$464,500 (+65.48%) Land $203,100 Building $261,400
2025			$464,500 (+65.48%) Land $203,100 Building $261,400
2023	$2,166.00	$280,700 Land $117,400 Building $163,300	$280,700 Land $117,400 Building $163,300

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

Flood

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

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

4G LTE (outdoors only), no 5G reported

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