16373 Over St, Culpeper, VA 22701 Property Records

Culpeper County property record for 16373 Over St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1977
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$337,000 (Apr 2024)
Tax Bill	$1,398 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Sep 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-B-1-1`

Property Details

APN / Parcel Number

Primary APN	`38-B-1-1`
Alternative APN	`10477`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10477
Street Address	16373 OVER ST
City	CULPEPER
State	VA
Zip	22701-7261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WESTOVER ESTATES LOT 1 HUDSONS MILL
Legal Subdivision	WESTOVER ESTATE
Legal Lot Number	1
Jurisdiction	CULPEPER VA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2025
Census Tract	930202

Owner

Source: Culpeper County records, as of August 24, 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	16373 OVER ST, CULPEPER, VA 22701-7261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Sep 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2024 · Amount on File
Deed Sale	Apr 2, 2024 · Amount on File
Prior Sale	Sep 9, 2015 · Amount on File
Deed Document Number	20241278
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Apr 2, 2024
Property Address	16373 OVER ST, CULPEPER, VA 22701-7261
Document Number	0240001278
Instrument Date	Mar 29, 2024
Instrument	240001278
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	TITLE FORWARD

Transaction

Amount	Amount 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	16373 OVER ST, CULPEPER, VA 22701-7261

Mortgage

Document Number	0240001279
Date	Apr 2, 2024
Instrument	240001279

Lender

Name	BAY EQUITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 26, 2054

Interest

Rate Type	Fixed Rate
Rate	9.45%

Mortgage

Document Number	0240001280
Date	Apr 2, 2024
Instrument	240001280

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	16373 OVER ST, CULPEPER, VA 22701-7261
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220005621
Date	Sep 27, 2022
Instrument	220005621

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	277 Months
Due	Oct 1, 2045

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
Unified School District	Culpeper County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,398.00 (+0.07%)	$325,100 (+21.62%) Land $110,300 Building $214,800	$325,100 (+21.62%) Land $110,300 Building $214,800
2024	$1,397.00 (+13.67%)
2023	$1,229.00	$267,300 Land $75,300 Building $192,000	$267,300 Land $75,300 Building $192,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	WESTOVER ESTATES private · serves 35 people · EPA ID VA6047865
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Over St

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