1538 Willow St, Culpeper, VA 22701 Property Records

Culpeper County property record for 1538 Willow St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 2000
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Sep 2025)
Tax Bill	$1,588 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-L-2-58`

Property Details

APN / Parcel Number

Primary APN	`41-L-2-58`
Alternative APN	`18955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,524 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Area	400 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	20 sqft
Patio Area	80 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	18955
Street Address	1538 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 58,PHASE 2, 5040 SQ FT PLAT CAB 5/384-386
Legal Subdivision	WILLOW SHADE SUBDIVISION
Legal Phase	2
Legal Lot Number	58
Jurisdiction	CULPEPER VA
Township / Civil Division	CATALPA
Census Block Group	2
Census Block	2004
Census Tract	930300

Owner

Source: Culpeper County records, as of May 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1538 WILLOW ST, CULPEPER, VA 22701-1590
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 8, 2024	Warranty Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORPORATION
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NATIONAL ASSOCIATION
Aug 16, 2021	Warranty Deed, Transfer · VA Mortgage USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	Apr 8, 2024 · Amount on Record
Deed Document Number	20254131
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CULPEPER VA
Recording Date	Sep 5, 2025
Property Address	1538 WILLOW ST, CULPEPER, VA 22701-1590
Document Number	0250004131
Instrument Date	Sep 4, 2025
Instrument	250004131
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	RATIFIED TITLE GROUP INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$399.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31425 1538 WILLOW STREET, CULPEPER, VA 22701

Mortgage

Document Number	0250004132
Date	Sep 5, 2025
Instrument	250004132

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Apr 8, 2024
Property Address	1538 WILLOW ST, CULPEPER, VA 22701-1590
Document Number	0240001376
Instrument Date	Apr 4, 2024
Instrument	240001376
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
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	1538 WILLOW ST, CULPEPER, VA 22701-1590
Investor	Possibly a Property Investor

Mortgage

Document Number	0240001377
Date	Apr 8, 2024
Instrument	240001377

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.38%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	1538 WILLOW ST, CULPEPER, VA 22701-1590
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200008552
Date	Nov 30, 2020
Instrument	200008552

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Aug 16, 2021
Property Address	1538 WILLOW ST, CULPEPER, VA 22701-1590
Document Number	210007275
Instrument Date	Jul 26, 2021
Instrument	210007275
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
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	1538 WILLOW ST, CULPEPER, VA 22701-1590

Mortgage

Document Number	210007276
Date	Aug 16, 2021
Instrument	210007276

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,588.00 (-15.89%)	$369,400 (+5.78%) Land $82,900 Building $286,500	$369,400 (+5.78%) Land $82,900 Building $286,500
2024	$1,888.00 (-0.94%)	$349,200 (-) Land $73,700 Building $275,500	$349,200 (-) Land $73,700 Building $275,500
2023	$1,906.00	$349,200 Land $73,700 Building $275,500	$349,200 Land $73,700 Building $275,500

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 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

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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