19520 Old Mill Rd, Culpeper, VA 22701 Property Records

Culpeper County property record for 19520 Old Mill Rd, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,052 sqft · built 1984
Lot Size	13.5 acres (589,367 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (May 2017)
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-65-A`

Property Details

APN / Parcel Number

Primary APN	`48-65-A`
Alternative APN	`3174`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	589,367 sqft (13.5 acres)
Garage Area	1,108 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	116 sqft
Deck Area	456 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	3174
Street Address	19520 OLD MILL RD
City	CULPEPER
State	VA
Zip	22701-7455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	MT ARLEY CHURCH PLAT D B 396/215
Jurisdiction	CULPEPER VA
Township / Civil Division	CEDAR MOUNTAIN
Census Block Group	3
Census Block	3009
Census Tract	930501

Owner

19520 Old Mill Rd is owned and occupied by an individual who acquired it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	19520 OLD MILL RD, CULPEPER, VA 22701-7455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 9, 2017	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2017 · Amount on File
Deed Sale	May 9, 2017 · Amount on File
Deed Document Number	20172441
Last Transfer Date	Nov 22, 2019
Transfer Doc	0000006484
Record Updated	Oct 29, 2026

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CULPEPER VA
Recording Date	Dec 2, 2019
Property Address	19520 OLD MILL RD, CULPEPER, VA 22701-7455
Document Number	190006484
Instrument Date	Nov 22, 2019
Instrument	190006484
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19520 OLD MILL RD, CULPEPER, VA 22701-7455

Mortgage

Document Number	0190006485
Date	Dec 2, 2019
Instrument	190006485

Lender

Name	CARDINAL FINANCIAL COMPANY LP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CULPEPER VA
Recording Date	May 9, 2017
Property Address	19520 OLD MILL RD, CULPEPER, VA 22701-7455
Document Number	170002441
Instrument Date	May 5, 2017
Instrument	2441
Transaction Type	Transfer
Record Updated	May 15, 2017
Title Company	FIRST GUARDIAN TITLE AND ESCROW, FIRST GUARDIAN TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1520 OLD MILL RD CULPEPER VA 22701, CULPEPER, VA 22701

Mortgage

Document Number	170002442
Date	May 9, 2017
Instrument	2442

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 19520 Old Mill Rd was $2,471.

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	$2,471.00	$574,700 Land $197,700 Building $377,000	$574,700 Land $197,700 Building $377,000
2024	$2,471.00 (+5.55%)
2023	$2,341.00	$509,100 Land $155,200 Building $353,900	$509,100 Land $155,200 Building $353,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 19520 Old Mill Rd in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 19520 Old Mill Rd is low, with a 0.02% annual chance of 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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