15559 Gibson Mill Rd, Culpeper, VA 22701 Property Records

Culpeper County property record for 15559 Gibson Mill Rd, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,150 sqft · built 1974
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$433,500 (Oct 2024)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-25-B`

Property Details

APN / Parcel Number

Primary APN	`40-25-B`
Alternative APN	`1556`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,150 sqft Living Area
1st Floor Area	1,150 sqft
Basement Area	1,150 sqft
Unfinished Basement	1,150 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,284 sqft (0.81 acres)
Garage Type	Carport
Carport	Carport
Driveway	Driveway

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1556
Street Address	15559 GIBSON MILL RD
City	CULPEPER
State	VA
Zip	22701-1956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 2
Legal Lot Number	2
Jurisdiction	CULPEPER VA
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3006
Census Tract	930203

Owner

Source: Culpeper County records, as of August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15559 GIBSON MILL RD, CULPEPER, VA 22701-1956
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Jul 27, 2023	Gift Deed, Transfer · Stand-Alone Refinance AMERICAN HERITAGE LENDING LLC
Nov 29, 2021	Warranty Deed, Transfer INDEPENDENT TITLE AND ESCROW, INDEPENDENT TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2024 · Amount on Record
Deed Sale	Oct 10, 2024 · Amount on Record
Prior Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	20244585
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Recording Date	Jul 23, 2026
Property Address	15559 GIBSON MILL RD, CULPEPER, VA 22701-1956
Document Number	0000003998
Instrument Date	Jun 26, 2026
Instrument	20263998
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	15559 GIBSON MILL RD, CULPEPER, VA 22701-1956

Mortgage

Document Number	0000003998,
Date	Jul 23, 2026
Instrument	20263998

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.53%
Max Rate	-1%

July 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CULPEPER VA
Recording Date	Jul 27, 2023
Property Address	15559 GIBSON MILL RD, CULPEPER, VA 22701-1956
Document Number	0230003091
Instrument Date	Jul 26, 2023
Instrument	230003091
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15559 GIBSON MILL RD, CULPEPER, VA 22701-1956

Mortgage

Document Number	0230003092
Date	Jul 27, 2023
Instrument	230003092

Lender

Name	AMERICAN HERITAGE LENDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	9.38%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Nov 29, 2021
Property Address	15559 GIBSON MILL RD, CULPEPER, VA 22701-1956
Document Number	0210010231
Instrument Date	Nov 15, 2021
Instrument	210010231
Transaction Type	Transfer
Record Updated	Jan 5, 2022
Title Company	INDEPENDENT TITLE AND ESCROW, INDEPENDENT TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	727 1ST ST, CULPEPER, VA 22701-2042

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	$1,773.00	$412,400 (+58.37%) Land $108,500 Building $303,900	$412,400 (+58.37%) Land $108,500 Building $303,900
2024	$1,773.00 (+48.12%)
2023	$1,197.00 (+3.91%)	$260,400 (+24.3%) Land $74,000 Building $186,400	$260,400 (+24.3%) Land $74,000 Building $186,400
2022	$1,152.00	$209,500 Land $69,100 Building $140,400	$209,500 Land $69,100 Building $140,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Virginia Broadband Fixed Wireless · not low latency	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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