210 E Spencer St, Culpeper, VA 22701 Property Records

Culpeper County property record for 210 E Spencer St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,388 sqft · built 1900
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Jul 2020)
Tax Bill	$1,283 (2025)
Deeds & Mortgages	Jul 2022 Refinance Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-A2-1-O1-3`

Property Details

APN / Parcel Number

Primary APN	`41-A2-1-O1-3`
Alternative APN	`3843`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,388 sqft Living Area
1st Floor Area	1,216 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	17,860 sqft (0.41 acres)
Porch	Porch
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3843
Street Address	210 E SPENCER ST
City	CULPEPER
State	VA
Zip	22701-2730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SPENCER ST AFFIDAVIT
Jurisdiction	CULPEPER VA
Township / Civil Division	EAST FAIRFAX
Census Block Group	1
Census Block	1019
Census Tract	930300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Culpeper Historic District listed 1987 · 130 contributing resources · NRIS 87001809

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Culpeper County records, as of July 13, 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	1521 KING ST, CULPEPER, VA 22701-1554
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance OAK VIEW NATIONAL BANK
Jul 17, 2020	Warranty Deed, Transfer · Closed-End Mortgage OAK VIEW NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	20204417
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	210 E SPENCER ST, CULPEPER, VA 22701-2730
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004586
Date	Jul 20, 2022
Instrument	220004586

Lender

Name	OAK VIEW NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	12 Months
Due	Jul 15, 2023

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jul 17, 2020
Property Address	210 E SPENCER ST, CULPEPER, VA 22701-2730
Document Number	0200004417
Instrument Date	Jul 17, 2020
Instrument	200004417
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 E SPENCER ST, CULPEPER, VA 22701-2730

Mortgage

Document Number	0200004418
Date	Jul 17, 2020
Instrument	200004418

Lender

Name	OAK VIEW NATIONAL BANK

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$1,283.00 (-13.02%)	$298,400 (+2.37%) Land $91,900 Building $206,500	$298,400 (+2.37%) Land $91,900 Building $206,500
2024	$1,475.00 (-3.78%)
2023	$1,533.00	$291,500 Land $72,900 Building $218,600	$291,500 Land $72,900 Building $218,600

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	2 in force
Nearby Flood Claims	2 (2011–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2013 · rainfall accumulation

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 231 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

May also be available: AT&T, Glo Fiber, T-Mobile.

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