186 Duke St, Culpeper, VA 22701 Property Records

Culpeper County property record for 186 Duke St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,873 sqft · built 2002
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Feb 2025)
Tax Bill	$1,675 (2025)
Deeds & Mortgages	Apr 2022 Transfer Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-L-5-43`

Property Details

APN / Parcel Number

Primary APN	`41-L-5-43`
Alternative APN	`19717`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,873 sqft Living Area
1st Floor Area	970 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Area	442 sqft
Driveway	Gravel (Chat) Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	88 sqft
Patio Area	134 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	19717
Street Address	186 DUKE ST
City	CULPEPER
State	VA
Zip	22701-1589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WILLOW SHADE SUBDIVISION PHASE 5 LOT 43 5505 SQ FT PLAT CAB 7/131-133
Legal Subdivision	WILLOW SHADE SUBDIVISION
Legal Phase	5
Legal Lot Number	43
Jurisdiction	CULPEPER VA
Township / Civil Division	CATALPA
Census Block Group	2
Census Block	2005
Census Tract	930300

Owner

Source: Culpeper County records, as of October 13, 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 Record
Mailing Address	186 DUKE ST, CULPEPER, VA 22701-1589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Gift Deed, Transfer
Apr 25, 2022	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Sep 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOW VA RATES LLC
Aug 22, 2019	Warranty Deed, Transfer · VA Mortgage LOW VA RATES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	2025674
Prior Transfer Date	Apr 14, 2022
Prior Transfer Doc	0000002852
Record Updated	Oct 29, 2026

April 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CULPEPER VA
Recording Date	Apr 25, 2022
Property Address	186 DUKE ST, CULPEPER, VA 22701-1589
Document Number	0220002870
Instrument Date	Apr 21, 2022
Instrument	220002870
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 DUKE ST, CULPEPER, VA 22701-1589

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Apr 25, 2022
Property Address	186 DUKE ST, CULPEPER, VA 22701-1589
Document Number	0220002852
Instrument Date	Apr 14, 2022
Instrument	220002852
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	RGS 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	186 DUKE ST, CULPEPER, VA 22701-1589

Mortgage

Document Number	0220002855
Date	Apr 25, 2022
Instrument	220002855

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	186 DUKE ST, CULPEPER, VA 22701-1589
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200006365
Date	Sep 21, 2020
Instrument	200006365

Lender

Name	LOW VA RATES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Aug 22, 2019
Property Address	186 DUKE ST, CULPEPER, VA 22701-1589
Document Number	190004403
Instrument Date	Aug 21, 2019
Instrument	4403
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 DUKE ST CULPEPER VA 227011589, CULPEPER, VA 22701-1589

Mortgage

Document Number	190004404
Date	Aug 22, 2019
Instrument	4404

Lender

Name	LOW VA RATES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2049

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	$1,675.00 (-12.58%)	$389,600 (+5.13%) Land $82,900 Building $306,700	$389,600 (+5.13%) Land $82,900 Building $306,700
2024	$1,916.00 (-1.69%)
2023	$1,949.00	$370,600 Land $73,700 Building $296,900	$370,600 Land $73,700 Building $296,900

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.

Nearby Properties on Duke St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures