Spotsylvania County property record for 9809 Elm St, Fredericksburg, VA 22407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,726 sqft · built 1998 |
| Lot Size | 0.257 acres (11,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,000 (Jun 2024) |
| Tax Bill | $2,843 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35C-2-24 |
| Primary APN | 35C-2-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,726 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 11,200 sqft (0.257 acres) |
| Garage Type | Attached |
| Garage Area | 534 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 9809 ELM ST |
|---|---|
| City | FREDERICKSBURG |
| State | VA |
| Zip | 22407-4390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU - RURAL |
| Legal Description | CEDAR RIDGE LOT 24 SEC 1 |
| Legal Subdivision | CEDAR RIDGE |
| Legal Lot Number | 24 |
| Jurisdiction | SPOTSYLVANIA VA |
| Township / Civil Division | BATTLEFIELD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20309 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9809 ELM ST, FREDERICKSBURG, VA 22407-4390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Apr 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jan 24, 2018 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE LENDERS/AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2024 · Amount on Record |
| Deed Sale | Jun 13, 2024 · Amount on Record |
| Prior Sale | Jan 24, 2018 · Amount on Record |
| Deed Document Number | 20247786 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Apr 20, 2026 |
| Property Address | 9809 ELM ST, FREDERICKSBURG, VA 22407-4390 |
| Document Number | 0000005975 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20265975 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 9809 ELM ST, FREDERICKSBURG, VA 22407-4390 |
| Document Number | 0000005975, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 20265975 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 9809 ELM ST, FREDERICKSBURG, VA 22407-4390 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210015548 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 210015548 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | May 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Property Address | 9809 ELM ST, FREDERICKSBURG, VA 22407-4390 |
| Document Number | 201900006273 |
| Instrument Date | Apr 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 9809 ELM ST FREDERICKSBURG VA 224074390, FREDERICKSBURG, VA 22407-4390 |
| Document Number | 201900006273 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 6273 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOTSYLVANIA VA |
| Recording Date | Jan 24, 2018 |
| Property Address | 9809 ELM ST, FREDERICKSBURG, VA 22407-4390 |
| Document Number | 201800001184 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 1184 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9809 ELM ST FREDERICKSBURG VA 224074390, FREDERICKSBURG, VA 22407-4390 |
| Document Number | 201800001185 |
|---|---|
| Date | Jan 24, 2018 |
| Instrument | 1185 |
| Name | MORTGAGE LENDERS/AMERICA |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Spotsylvania County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Spotsylvania County |
| Unified School District | Spotsylvania County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,843.00 (+14.18%) | $385,600 (+13.68%) Land $155,000 Building $230,600 | |
| 2025 | $2,490.00 (+17.4%) | $339,200 (+23.39%) Land $125,000 Building $214,200 | $385,600 (+13.68%) Land $155,000 Building $230,600 |
| 2024 | $339,200 (+23.39%) Land $125,000 Building $214,200 | ||
| 2023 | $2,121.00 | $274,900 Land $110,000 Building $164,900 | $274,900 Land $110,000 Building $164,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jan 2017 · river or lake flooding |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPOTSYLVANIA COUNTY UTILITIES serves 96,846 people · EPA ID VA6177300 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures