9820 Post Oak Rd, Spotsylvania, VA 22551 Property Records

Spotsylvania County property record for 9820 Post Oak Rd, Spotsylvania, VA 22551

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 974 sqft · built 1993
Lot Size	5.29 acres (230,432 sqft)
Owner	Individual Name on Record
Last Sale	$211,000 (Aug 2020)
Tax Bill	$1,829 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45-9-3`

Property Details

APN / Parcel Number

Primary APN	`45-9-3`
Alternative APN	`045-9-3`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	974 sqft Finished Area
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	230,432 sqft (5.29 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9820 POST OAK RD
City	SPOTSYLVANIA
State	VA
Zip	22551-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3 - AGRIC
Legal Description	TA WOODS RUN LOT 3
Legal Subdivision	TA WOODS RUN
Legal Lot Number	3
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	LIVINGSTON
Census Block Group	3
Census Block	3014
Census Tract	20406

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	9820 POST OAK RD, SPOTSYLVANIA, VA 22551-3352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Mar 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CLEARPATH LENDING
Jun 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK
Aug 3, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	202016451
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Apr 16, 2026
Property Address	9820 POST OAK RD, SPOTSYLVANIA, VA 22551-3352
Document Number	0000005784
Instrument Date	Apr 11, 2026
Instrument	20265784
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9820 POST OAK RD, SPOTSYLVANIA, VA 22551-3352

Mortgage

Document Number	0000005784,
Date	Apr 16, 2026
Instrument	20265784

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	9820 POST OAK RD, SPOTSYLVANIA, VA 22551-3352
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006759
Date	Mar 30, 2022
Instrument	220006759

Lender

Name	CLEARPATH LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	9820 POST OAK RD, SPOTSYLVANIA, VA 22551-3352
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210018343
Date	Jun 16, 2021
Instrument	210018343

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 3, 2020
Property Address	9820 POST OAK RD, SPOTSYLVANIA, VA 22551-3352
Document Number	202000016451
Instrument Date	Jul 24, 2020
Instrument	16451
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$211.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9820 POST OAK RD SPOTSYLVANIA VA 225513352, SPOTSYLVANIA, VA 22551-3352

Mortgage

Document Number	202000016452
Date	Aug 3, 2020
Instrument	16452

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

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	$1,829.00 (+8.93%)	$248,100 (+8.48%) Land $123,600 Building $124,500
2025	$1,679.00 (+12.99%)	$228,700 (+18.74%) Land $109,300 Building $119,400	$248,100 (+8.48%) Land $123,600 Building $124,500
2024			$228,700 (+18.74%) Land $109,300 Building $119,400
2023	$1,486.00	$192,600 Land $95,000 Building $97,600	$192,600 Land $95,000 Building $97,600

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	1 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	0.02% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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