20522 Old Mill Rd, Culpeper, VA 22701 Property Records

Culpeper County property record for 20522 Old Mill Rd, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 2019
Lot Size	3.54 acres (154,246 sqft)
Owner	Individual Name on Record
Last Sale	$298,000 (Nov 2019)
Tax Bill	$2,051 (2025)
Deeds & Mortgages	Jan 2022 Refinance May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-32`

Property Details

APN / Parcel Number

Primary APN	`48-32`
Alternative APN	`2416`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	154,246 sqft (3.54 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2416
Street Address	20522 OLD MILL RD
City	CULPEPER
State	VA
Zip	22701-7494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	WAYLANDSBURGPF 4/531
Jurisdiction	CULPEPER VA
Township / Civil Division	CEDAR MOUNTAIN
Census Block Group	3
Census Block	3015
Census Tract	930501

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	20522 OLD MILL RD, CULPEPER, VA 22701-7494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Nov 1, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2019 · Amount on Record
Deed Sale	Nov 1, 2019 · Amount on Record
Prior Sale	Feb 12, 2019 · Amount on Record
Deed Document Number	20195888
Prior Transfer Date	Feb 7, 2019
Prior Transfer Doc	0000000660
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	20522 OLD MILL RD, CULPEPER, VA 22701-7494
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000545
Date	Jan 26, 2022
Instrument	220000545

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	20522 OLD MILL RD, CULPEPER, VA 22701-7494
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	BLUE RIDGE TITLE & STLMNT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004750
Date	May 19, 2021
Instrument	210004750

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.88%

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Nov 1, 2019
Property Address	20522 OLD MILL RD, CULPEPER, VA 22701-7494
Document Number	0190005888
Instrument Date	Oct 30, 2019
Instrument	190005888
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY

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	20522 OLD MILL RD, CULPEPER, VA 22701-7494

Mortgage

Document Number	0190005889
Date	Nov 1, 2019
Instrument	190005889

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$2,051.00	$477,000 (+9.5%) Land $116,600 Building $360,400	$477,000 (+9.5%) Land $116,600 Building $360,400
2024	$2,051.00 (+2.4%)
2023	$2,003.00	$435,600 Land $91,600 Building $344,000	$435,600 Land $91,600 Building $344,000

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
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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