7812 Curtis Ln, Spotsylvania, VA 22551 Property Records

Spotsylvania County property record for 7812 Curtis Ln, Spotsylvania, VA 22551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 1989
Lot Size	5.08 acres (221,285 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Mar 2021)
Tax Bill	$2,377 (2026)
Deeds & Mortgages	Mar 2021 Refinance Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-6-1`

Property Details

APN / Parcel Number

Primary APN	`45-6-1`
Alternative APN	`045-6-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Finished Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	221,285 sqft (5.08 acres)
Garage Type	Carport
Garage Area	672 sqft
Carport	Carport
Carport Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	260 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7812 CURTIS LN
City	SPOTSYLVANIA
State	VA
Zip	22551-3341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3 - AGRIC
Legal Description	POST OAK ESTATES LOT 1
Legal Subdivision	POST OAK ESTATES
Legal Lot Number	1
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	LIVINGSTON
Census Block Group	3
Census Block	3009
Census Tract	20406

Owner

7812 Curtis Ln is owned and occupied by two individuals who bought it in March 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	7812 CURTIS LN, SPOTSYLVANIA, VA 22551-3341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GEORGE MASON MORTGAGE LLC
Mar 4, 2026	Deed of Trust, Mortgage · Unknown THE BANK OF EDISON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021 · Amount on File
Deed Sale	Mar 22, 2021 · Amount on File
Prior Sale	May 1, 2013 · Amount on File
Deed Document Number	20218372
Deed Book / Page	422 / 445
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7812 CURTIS LN, SPOTSYLVANIA, VA 22551-3341
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FREEDOM TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0210008373
Date	Mar 22, 2021
Instrument	210008373

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	7812 CURTIS LN, SPOTSYLVANIA, VA 22551-3341
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7812 CURTIS LN, SPOTSYLVANIA, VA 22551-3341

Mortgage

Document Number	0260003281
Date	Mar 4, 2026
Instrument	260003281

Lender

Name	THE BANK OF EDISON
Type	Bank
Address	EDISON, GA 39846

Agreement

Type	Unknown
Amount	Amount on Record
Term	300 Months
Due	Mar 3, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 7812 Curtis Ln was $2,377, up 9.5% 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	$2,377.00 (+9.54%)	$322,500 (+9.1%) Land $121,700 Building $200,800
2025	$2,170.00	$295,600 Land $107,600 Building $188,000	$322,500 (+9.1%) Land $121,700 Building $200,800
2024			$295,600 (+20.06%) Land $107,600 Building $188,000
2023	$1,899.00	$246,200 Land $93,600 Building $152,600	$246,200 Land $93,600 Building $152,600

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

Flood

FEMA maps place 7812 Curtis Ln 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	1 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 7812 Curtis Ln 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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