7418 River Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 7418 River Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,460 sqft · built 1964
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (Feb 2005)
Tax Bill	$3,774 (2026)
Deeds & Mortgages	Dec 2021 Refinance Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-2-A1`

Property Details

APN / Parcel Number

Primary APN	`11-2-A1`
Alternative APN	`011-2-A1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,460 sqft Finished Area
Basement Area	2,376 sqft
Unfinished Basement	713 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Porch	Slab
Porch Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7418 RIVER RD
City	FREDERICKSBURG
State	VA
Zip	22407-2041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PR3
Legal Description	GOULDMAN ESTATE RIVER RD PARCEL A1
Legal Subdivision	GOULDMAN ESTATE
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1005
Census Tract	20106

Owner

7418 River Rd is owned and occupied by two individuals who bought it in February 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	7418 RIVER RD, FREDERICKSBURG, VA 22407-2041
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
Dec 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NETWORK CAPITAL FUNDING CORPORATION
Feb 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NETWORK CAPITAL FUNDING CORPORATION
Dec 23, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2005 · Amount on File
Deed Sale	Feb 11, 2005 · Amount on File
Deed Document Number	20055296
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7418 RIVER RD, FREDERICKSBURG, VA 22407-2041
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210036677
Date	Dec 16, 2021
Instrument	210036677

Lender

Name	NETWORK CAPITAL FUNDING CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	357 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7418 RIVER RD, FREDERICKSBURG, VA 22407-2041
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004096
Date	Feb 11, 2021
Instrument	210004096

Lender

Name	NETWORK CAPITAL FUNDING CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7418 RIVER RD, FREDERICKSBURG, VA 22407-2041
Document Number	201800000059
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	201800000059
Date	Jan 3, 2018
Instrument	59

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.38%

Tax Assessment & Valuation

The 2026 property tax bill for 7418 River Rd was $3,774.

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	$3,774.00	$511,900 Land $226,000 Building $285,900
2025			$511,900 Land $226,000 Building $285,900
2023	$2,778.00	$360,000 Land $135,000 Building $225,000	$360,000 Land $135,000 Building $225,000

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

Flood

FEMA maps place 7418 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 7418 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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