84 E River Bend Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 84 E River Bend Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,769 sqft · built 1984
Lot Size	3.02 acres (131,551 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Apr 2018)
Tax Bill	$3,406 (2026)
Deeds & Mortgages	Jul 2021 Refinance Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-8-2A`

Property Details

APN / Parcel Number

Primary APN	`12-8-2A`
Alternative APN	`012-8-2A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,769 sqft Finished Area
Basement Area	1,004 sqft
Unfinished Basement	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	131,551 sqft (3.02 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	244 sqft
Deck Area	235 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	84 E RIVER BEND RD
City	FREDERICKSBURG
State	VA
Zip	22407-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	SEDGWICK LOT 2
Legal Subdivision	SEDGWICK
Legal Lot Number	2
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
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	Individual Name on Record
Mailing Address	84 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BNC NATIONAL BANK
Dec 13, 2019	Deed of Trust, Mortgage · VA Mortgage BNC NAT'L BK
Apr 30, 2018	Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2018 · Amount on Record
Deed Sale	Apr 30, 2018 · Amount on Record
Prior Sale	Jul 23, 2015 · Amount on Record
Deed Document Number	20186822
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	84 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210022738
Date	Jul 27, 2021
Instrument	210022738

Lender

Name	BNC NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.38%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	84 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Document Number	201900022032
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 E RIVER BEND RD FREDERICKSBURG VA 224072307, FREDERICKSBURG, VA 22407-2307

Mortgage

Document Number	201900022032
Date	Dec 18, 2019
Instrument	22032

Lender

Name	BNC NAT'L BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Apr 30, 2018
Property Address	84 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Document Number	201800006822
Instrument Date	Apr 25, 2018
Instrument	6822
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	84 E RIVER BEND RD FREDERICKSBURG VA 224072307, FREDERICKSBURG, VA 22407-2307

Mortgage

Document Number	201800006823
Date	Apr 30, 2018
Instrument	6823

Lender

Name	ATLANTIC COAST MORTGAGE LLC
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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	$3,406.00 (+22.83%)	$462,000 (+28.55%) Land $199,300 Building $262,700
2025			$462,000 (+28.55%) Land $199,300 Building $262,700
2023	$2,773.00	$359,400 Land $121,200 Building $238,200	$359,400 Land $121,200 Building $238,200

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 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

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

Nearby Properties on E River Bend Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures