Culpeper County property record for 13379 Gray St, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,576 sqft · built 1999 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,981 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-90-B |
| Primary APN | 29-90-B |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,576 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 1,288 sqft |
| Unfinished Basement | 1,288 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 4653 |
|---|---|
| Street Address | 13379 GRAY ST |
| City | CULPEPER |
| State | VA |
| Zip | 22701-5779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | NORMAN FINCHAM SUB PLAT DB 691/356 |
| Legal Subdivision | NORMAN FINCHAM SUBDIVISION |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 930202 |
13379 Gray St is owned and occupied by an individual.
Source: Culpeper County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13379 GRAY ST, CULPEPER, VA 22701-5779 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Dec 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Aug 26, 2026 |
| Property Address | 13379 GRAY ST, CULPEPER, VA 22701-5779 |
| Document Number | 0000004724 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 20264724 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 13379 GRAY ST, CULPEPER, VA 22701-5779 |
| Document Number | 0000004724, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 20264724 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 13379 GRAY ST, CULPEPER, VA 22701-5779 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0200009051 |
|---|---|
| Date | Dec 17, 2020 |
| Instrument | 200009051 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 13379 Gray St was $1,981.
Source: Culpeper County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Culpeper County |
| Unified School District | Culpeper County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,981.00 | $460,700 Land $112,400 Building $348,300 | $460,700 Land $112,400 Building $348,300 |
| 2024 | $1,981.00 (+1.59%) | ||
| 2023 | $1,950.00 | $424,100 Land $83,100 Building $341,000 | $424,100 Land $83,100 Building $341,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13379 Gray St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.
Source: FEMA National Flood Hazard Layer, effective February 25, 2021 · 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 Claims | 3 (1987–1996) |
| Most Recent Claim | Sep 1996 · Hurricane Fran And Associated Severe Storm Cond |
| Claims by Event |
|
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 risk around 13379 Gray St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 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 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
| T-Mobile Fixed Wireless | 100 / 20 |
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