7005 River Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 7005 River Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,052 sqft · built 1977
Lot Size	2.78 acres (121,097 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (Sep 2026)
Tax Bill	$3,331 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6A-2-F`

Property Details

APN / Parcel Number

Primary APN	`6A-2-F`
Alternative APNs	`006A 2-F` `06A 2-F`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,052 sqft Finished Area
Basement Area	1,224 sqft
Unfinished Basement	428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	121,097 sqft (2.78 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	58 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7005 RIVER RD
City	FREDERICKSBURG
State	VA
Zip	22407-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER BLUFFS LOT F
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	F
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

7005 River Rd is owned and occupied by an individual who bought it in September 2026.

Source: Spotsylvania County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	7005 RIVER RD, FREDERICKSBURG, VA 22407-2331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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 18, 2026	Deed, Transfer · VA Mortgage M & T BANK NA
Nov 25, 2020	Deed of Trust, Mortgage · Conventional with PMI STRONG HM MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Prior Sale	Aug 29, 2016 · Amount on File
Deed Document Number	202615220
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Sep 18, 2026
Property Address	7005 RIVER RD, FREDERICKSBURG, VA 22407-2331
Document Number	0000015220
Instrument Date	Sep 17, 2026
Instrument	202615220
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55,045.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7005 RIVER RD, FREDERICKSBURG, VA 22407-2331

Mortgage

Document Number	0000015221,
Date	Sep 18, 2026
Instrument	202615221

Lender

Name	M & T BANK NA

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7005 RIVER RD, FREDERICKSBURG, VA 22407-2331
Document Number	202000029150
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7005 RIVER RD FREDERICKSBURG VA 224072331, FREDERICKSBURG, VA 22407-2331

Mortgage

Document Number	202000029150
Date	Dec 2, 2020
Instrument	29150

Lender

Name	STRONG HM MTG LLC

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

The 2026 property tax bill for 7005 River Rd was $3,331.

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	$3,331.00	$451,800 Land $189,400 Building $262,400
2025			$451,800 Land $189,400 Building $262,400
2023	$2,468.00	$319,900 Land $112,800 Building $207,100	$319,900 Land $112,800 Building $207,100

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

Flood

FEMA maps place 7005 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 7005 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 27 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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