20397 Fields Mill Rd, Richardsville, VA 22736 Property Records

Culpeper County property record for 20397 Fields Mill Rd, Richardsville, VA 22736

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,738 sqft · built 2007
Lot Size	10.1 acres (440,827 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,661 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`56-46-A`

Property Details

APN / Parcel Number

Primary APN	`56-46-A`
Alternative APN	`23482`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,738 sqft Living Area
1st Floor Area	1,360 sqft
Basement Area	1,360 sqft
Unfinished Basement	1,360 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	440,827 sqft (10.1 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	258 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	23482
Street Address	20397 FIELDS MILL RD
City	RICHARDSVILLE
State	VA
Zip	22736-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RICHARDSVILLE PARCEL A1 PF 1/201
Legal Subdivision	GOLDEN OAKS
Jurisdiction	CULPEPER VA
Township / Civil Division	STEVENSBURG
Census Block Group	3
Census Block	3030
Census Tract	930400

Owner

20397 Fields Mill Rd is owned and occupied by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20397 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband 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
Aug 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage USDA
Aug 29, 2023	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS
Oct 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2025
Deed Sale	May 27, 2025
Prior Sale	Jun 14, 2024
Deed Document Number	20252407
Prior Transfer Date	May 20, 2025
Prior Transfer Doc	0000002407
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	20397 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1745
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20397 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1745

Mortgage

Document Number	0250003887
Date	Aug 25, 2025
Instrument	250003887

Lender

Name	USDA
Type	Government Agency
Address	HENRICO, VA 23229

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	84 Months
Due	Aug 19, 2032

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Aug 29, 2023
Property Address	20397 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1745
Document Number	0230003576
Instrument Date	Aug 28, 2023
Instrument	230003576
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	FIRST GUARDIAN TITLE AND ESCROW, FIRST GUARDIAN TITLE & ESCR

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	20397 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1745

Mortgage

Document Number	0230003577
Date	Aug 29, 2023
Instrument	230003577

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	20397 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1745
Document Number	170005792
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170005792
Date	Oct 24, 2017
Instrument	5792

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 23, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20397 Fields Mill Rd was $2,661, up 613.4% from the year before.

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	$2,661.00 (+613.4%)	$618,800 Land $167,500 Building $451,300	$618,800 Land $167,500 Building $451,300
2024	$373.00 (-84.69%)
2023	$2,437.00 (+6.33%)	$529,900 (+27.1%) Land $128,800 Building $401,100	$529,900 (+27.1%) Land $128,800 Building $401,100
2022	$2,292.00	$416,900 Land $109,700 Building $307,200	$416,900 Land $109,700 Building $307,200

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

Flood

FEMA maps place 20397 Fields 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 20397 Fields Mill Rd is low, with a 0.01% 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	0.01% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	25 / 5

Cell Coverage

5G and 4G LTE (outdoors only)

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