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

Spotsylvania County property record for 92 E River Bend Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,478 sqft · built 1980
Lot Size	1.76 acres (76,666 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Feb 2023)
Tax Bill	$2,928 (2026)
Deeds & Mortgages	May 2023 Transfer Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-13-B`

Property Details

APN / Parcel Number

Primary APN	`12-13-B`
Alternative APN	`012-13-B`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,478 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	76,666 sqft (1.76 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	610 sqft
Deck Area	369 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	92 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	RIVER ROAD ESTATES LOT B
Legal Subdivision	RIVER ROAD ESTATES
Legal Lot Number	B
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

Source: Spotsylvania County records · APN 12-13-B

Assessment roll updated August 11, 2026 · Last verified August 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 File
Mailing Address	92 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 08, 2023	Intrafamily Transfer, Transfer
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Feb 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Jan 18, 2000 · Amount on Record
Deed Document Number	20232184
Last Transfer Date	May 05, 2023
Transfer Doc	0000005907
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 08, 2023
Property Address	92 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Document Number	0230005907
Instrument Date	May 05, 2023
Instrument	230005907
Transaction Type	Transfer
Record Updated	May 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Feb 21, 2023
Property Address	92 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Document Number	0230002184
Instrument Date	Feb 16, 2023
Instrument	230002184
Transaction Type	Transfer
Record Updated	Mar 08, 2023
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307

Mortgage

Document Number	0230002185
Date	Feb 21, 2023
Instrument	230002185

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	92 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2307
Document Number	201800002658
Instrument Date	Feb 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 08, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800002658
Date	Feb 20, 2018
Instrument	2658

Lender

Name	WFB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Spotsylvania County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Spotsylvania County
Unified School District	Spotsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,928.00 (+34.5%)	$397,200 (+40.75%) Land $177,900 Building $219,300
2025			$397,200 (+40.75%) Land $177,900 Building $219,300
2023	$2,177.00	$282,200 Land $108,000 Building $174,200	$282,200 Land $108,000 Building $174,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Spotsylvania County (51177C), as of May 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511770201061, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

Based on FCC filings for 21 locations within half a mile of this property.

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