15488 Bruces Ln, Culpeper, VA 22701 Property Records

Culpeper County property record for 15488 Bruces Ln, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1959
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Last Sale	$429,000 (Jul 2026)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-28-C`

Property Details

APN / Parcel Number

Primary APN	`40-28-C`
Alternative APN	`10629`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Mixed
Garage Area	736 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10629
Street Address	15488 BRUCES LN
City	CULPEPER
State	VA
Zip	22701-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FOLTZ STORE PT OF LOT 5 LOT 5
Legal Lot Number	5
Jurisdiction	CULPEPER VA
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3009
Census Tract	930203

Owner

Source: Culpeper County records, as of August 6, 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	2 Individual Names on File
Mailing Address	15488 BRUCES LN, CULPEPER, VA 22701-1341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
May 17, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on File
Deed Sale	Jul 23, 2026 · Amount on File
Prior Sale	Jun 24, 2016 · Amount on File
Deed Document Number	20263996
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jul 23, 2026
Property Address	15488 BRUCES LN, CULPEPER, VA 22701-1341
Document Number	0000003996
Instrument Date	Jul 16, 2026
Instrument	20263996
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43,329.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15488 BRUCES LN, CULPEPER, VA 22701-1341

Mortgage

Document Number	0000003997,
Date	Jul 23, 2026
Instrument	20263997

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	15488 BRUCES LN, CULPEPER, VA 22701-1341
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	BLUE RIDGE TITLE & STLMNT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180001014
Date	Feb 28, 2018
Instrument	180001014

Lender

Name	M & T BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	15488 BRUCES LN, CULPEPER, VA 22701-1341
Document Number	170002605
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	May 29, 2017
Title Company	BLUE RIDGE TITLE COMPANY, BLUE RIDGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	219 N CHERRY ST FALLS CHURCH VA 220463521, FALLS CHURCH, VA 22046-3521

Mortgage

Document Number	170002605
Date	May 18, 2017
Instrument	2605

Lender

Name	BRANCH BK&TR
Type	Bank
Address	CULPEPER, VA 22701-2428

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,276.00	$296,800 (+15.76%) Land $108,100 Building $188,700	$296,800 (+15.76%) Land $108,100 Building $188,700
2024	$1,276.00 (+8.23%)
2023	$1,179.00	$256,400 Land $73,700 Building $182,700	$256,400 Land $73,700 Building $182,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 124 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	1,200 / 35
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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