9819 Elys Ford Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 9819 Elys Ford Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,794 sqft · built 2022
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$679,900 (Jun 2022)
Tax Bill	$5,191 (2026)
Deeds & Mortgages	Dec 2025 Second Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4-20-2`

Property Details

APN / Parcel Number

Primary APN	`4-20-2`
Alternative APNs	`004-20-2` `04-20-2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,794 sqft Finished Area
Basement Area	1,508 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	9819 ELYS FORD RD
City	FREDERICKSBURG
State	VA
Zip	22407-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	ARCHER SUB LOT 2
Legal Subdivision	ARCHER SUB
Legal Lot Number	2
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	CHANCELLOR
Census Block Group	2
Census Block	2008
Census Tract	20105

Owner

9819 Elys Ford Rd is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	9819 ELYS FORD RD, FREDERICKSBURG, VA 22407-9655
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jun 13, 2022	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	Dec 22, 2020 · Amount on File
Deed Document Number	202212555
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	9819 ELYS FORD RD, FREDERICKSBURG, VA 22407-9655
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250018119
Date	Dec 1, 2025
Instrument	250018119

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2040

June 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Jun 13, 2022
Property Address	9819 ELYS FORD RD, FREDERICKSBURG, VA 22407-9655
Document Number	0220012555
Instrument Date	Jun 10, 2022
Instrument	220012555
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 27, 2022
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	9819 ELYS FORD RD, FREDERICKSBURG, VA 22407-9655

Mortgage

Document Number	0220012556
Date	Jun 13, 2022
Instrument	220012556

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 1, 2037

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2026 property tax bill for 9819 Elys Ford Rd was $5,191.

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	$5,191.00	$704,100 Land $157,000 Building $547,100
2025			$704,100 Land $157,000 Building $547,100
2023	$3,824.00	$495,600 Land $97,000 Building $398,600	$495,600 Land $97,000 Building $398,600

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

Flood

FEMA maps place 9819 Elys Ford Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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
Nearby Flood Claims	2 (2009–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2015 · rainfall accumulation

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 9819 Elys Ford Rd is low, with a 0.01% 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	0.01% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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