1537 Willow St, Culpeper, VA 22701 Property Records

Culpeper County property record for 1537 Willow St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,505 sqft · built 2000
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Tax Bill	$1,512 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jan 2017 Refinance
Flood Zone	Zone X (minimal risk)
APN	`41-L-2-51`

Property Details

APN / Parcel Number

Primary APN	`41-L-2-51`
Alternative APN	`18948`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,505 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Driveway	Gravel (Chat) Driveway
Porch	Porch
Porch Area	18 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	18948
Street Address	1537 WILLOW ST
City	CULPEPER
State	VA
Zip	22701-1590
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WILLOW SHADE SUBDIVISION LOT 51,PHASE 2, 5556 SQ FT PLAT CAB 5/384-386
Legal Subdivision	WILLOW SHADE SUBDIVISION
Legal Phase	2
Legal Lot Number	51
Jurisdiction	CULPEPER VA
Township / Civil Division	CATALPA
Census Block Group	2
Census Block	2004
Census Tract	930300

Owner

1537 Willow 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	1537 WILLOW ST, CULPEPER, VA 22701-1590
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORPORATION
Jan 24, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	1537 WILLOW ST, CULPEPER, VA 22701-1590
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006715
Date	Jul 27, 2021
Instrument	210006715

Lender

Name	BETTER MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	1537 WILLOW ST, CULPEPER, VA 22701-1590
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000417
Date	Jan 24, 2017
Instrument	170000417

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1537 Willow St was $1,512, down 16.1% from the year before.

Source: Culpeper County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Culpeper County
Municipality	Culpeper Town
Unified School District	Culpeper County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,512.00 (-16.09%)	$351,700 Land $83,000 Building $268,700	$351,700 Land $83,000 Building $268,700
2024	$1,802.00 (-2.33%)
2023	$1,845.00	$338,000 Land $73,800 Building $264,200	$338,000 Land $73,800 Building $264,200

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

Flood

FEMA maps place 1537 Willow St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2018.

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 Policies	7 in force
Nearby Flood Claims	6 (2018–2021)
Most Recent Claim	Jun 2021 · 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.

Wildfire

Wildfire risk around 1537 Willow St 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	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CULPEPER serves 21,184 people · EPA ID VA6047500
Water Source	Surface water
Last State Inspection	Jun 2021
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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