20439 Fields Mill Rd, Richardsville, VA 22736 Property Records

Culpeper County property record for 20439 Fields Mill Rd, Richardsville, VA 22736

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,418 sqft · built 2007
Lot Size	12.1 acres (530,125 sqft)
Owner	Individual on Record
Last Sale	$525,000 (Apr 2022)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56-46`

Property Details

APN / Parcel Number

Primary APN	`56-46`
Alternative APN	`10670`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,418 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 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	530,125 sqft (12.1 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	10670
Street Address	20439 FIELDS MILL RD
City	RICHARDSVILLE
State	VA
Zip	22736-1746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RICHARDSVILLE PARCEL A2 PF 1/201
Jurisdiction	CULPEPER VA
Township / Civil Division	STEVENSBURG
Census Block Group	3
Census Block	3030
Census Tract	930400

Owner

Source: Culpeper County assessment roll, as of November 7, 2025

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

Owner of Record	Individual on Record
Mailing Address	20439 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2022 · Amount on Record
Deed Sale	Apr 15, 2022 · Amount on Record
Prior Sale	Nov 19, 2007 · Amount on Record
Prior Transfer Date	Apr 13, 2022
Prior Transfer Doc	0000002664
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	20439 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1746
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230003193
Date	Aug 3, 2023
Instrument	230003193

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2038

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Apr 15, 2022
Property Address	20439 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1746
Document Number	0220002664
Instrument Date	Apr 13, 2022
Instrument	220002664
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	CARDINAL TITLE GROUP LLC

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	20439 FIELDS MILL RD, RICHARDSVILLE, VA 22736-1746

Mortgage

Document Number	0220002665
Date	Apr 15, 2022
Instrument	220002665

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	270 Months
Due	Oct 1, 2044

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	$2,330.00 (+0.04%)	$541,800 (+9.17%) Land $184,900 Building $356,900	$541,800 (+9.17%) Land $184,900 Building $356,900
2024	$2,329.00 (+2.06%)
2023	$2,282.00	$496,300 Land $143,200 Building $353,100	$496,300 Land $143,200 Building $353,100

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	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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

4G LTE (outdoors only), no 5G reported

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