Culpeper County property record for 400 Covington St, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,181 sqft · built 2004 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Feb 2015) |
| Tax Bill | $1,894 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-V-1-23 |
| Primary APN | 40-V-1-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,181 sqft Living Area |
| 1st Floor Area | 1,010 sqft |
| Basement Area | 1,010 sqft |
| Unfinished Basement | 1,010 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 64 sqft |
| Deck Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20806 |
|---|---|
| Street Address | 400 COVINGTON ST |
| City | CULPEPER |
| State | VA |
| Zip | 22701-2184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | THE HOMEPLACE ON PELHAM'S REACH PHASE 1 - PLAT CAB 8/68-71 LOT 23 |
| Legal Subdivision | 163 |
| Legal Phase | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | WEST FAIRFAX |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930203 |
Source: Culpeper County records · APN 40-V-1-23
Assessment roll updated November 7, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 7013 OLD CAROLINA RD, GAINESVILLE, VA 20155-1815 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jan 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC |
| Mar 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST HERITAGE MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 20, 2015 · Amount on Record |
| Deed Sale | Feb 20, 2015 · Amount on Record |
| Prior Sale | Jan 03, 2012 · Amount on Record |
| Deed Book / Page | 1500 / 837 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 400 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | RGS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0200000303 |
|---|---|
| Date | Jan 15, 2020 |
| Instrument | 200000303 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 400 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | TITLE SOLUTIONS INC |
| Name | Verified Name |
|---|
| Document Number | 0210002186 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 210002186 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.13% |
Source: Culpeper County records · Assessment roll updated November 7, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Culpeper County |
| Municipality | Culpeper Town |
| Unified School District | Culpeper County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,894.00 (-12.31%) | $440,500 (+9.28%) Land $110,400 Building $330,100 | $440,500 (+9.28%) Land $110,400 Building $330,100 |
| 2024 | $2,160.00 (+1.89%) | ||
| 2023 | $2,120.00 | $403,100 Land $85,000 Building $318,100 | $403,100 Land $85,000 Building $318,100 |
Source: FEMA National Flood Hazard Layer as of February 25, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 345 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF CULPEPER serves 21,184 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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