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

Spotsylvania County property record for 97 E River Bend Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,602 sqft · built 2017
Lot Size	8.07 acres (351,529 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,025 (May 2021)
Tax Bill	$9,327 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06A 1-38R1`

Property Details

APN / Parcel Number

Primary APN	`06A 1-38R1`
Alternative APNs	`006A 1-38R1` `6A-1-38R1`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,602 sqft Finished Area
Basement Area	2,598 sqft
Unfinished Basement	1,299 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	351,529 sqft (8.07 acres)
Garage Type	Attached
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,050 sqft
Deck Area	532 sqft
Patio Area	856 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	97 E RIVER BEND RD
City	FREDERICKSBURG
State	VA
Zip	22407-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	RIVER BLUFFS LOT 38R-1
Legal Subdivision	RIVER BLUFFS
Legal Lot Number	38R-1
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	COURTLAND
Census Block Group	1
Census Block	1002
Census Tract	20106

Owner

Source: Spotsylvania County records · APN 06A 1-38R1

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	97 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Feb 03, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
May 06, 2021	Warranty Deed, Transfer · VA Mortgage INTEGRITY HOME MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 06, 2021 · Amount on Record
Deed Sale	May 06, 2021 · Amount on Record
Deed Document Number	202113970
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	97 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2308
Transaction Type	Mortgage
Record Updated	Dec 06, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230015443
Date	Nov 17, 2023
Instrument	230015443

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 01, 2063

Interest

Rate Type	Adjustable Rate
Rate	10.2%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	97 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2308
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002512
Date	Feb 03, 2022
Instrument	220002512

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2052

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	May 06, 2021
Property Address	97 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2308
Document Number	210013970
Instrument Date	May 04, 2021
Instrument	210013970
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	97 E RIVER BEND RD, FREDERICKSBURG, VA 22407-2308

Mortgage

Document Number	210013971
Date	May 06, 2021
Instrument	210013971

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$9,327.00 (+4.05%)	$1,265,100 (+8.91%) Land $291,500 Building $973,600
2025			$1,265,100 (+8.91%) Land $291,500 Building $973,600
2023	$8,964.00	$1,161,600 Land $178,000 Building $983,600	$1,161,600 Land $178,000 Building $983,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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

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