405 Clay St, Culpeper, VA 22701 Property Records

Culpeper County property record for 405 Clay St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 978 sqft · built 1934
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$194,500 (Oct 2018)
Tax Bill	$1,216 (2025)
Deeds & Mortgages	Oct 2021 Refinance Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-A2-1-Y1-3`

Property Details

APN / Parcel Number

Primary APN	`41-A2-1-Y1-3`
Alternative APN	`4464`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	978 sqft Living Area
1st Floor Area	978 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4464
Street Address	405 CLAY ST
City	CULPEPER
State	VA
Zip	22701-2811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	405 CLAY STREET CORNER CLAY ST & BRISCOE 6,298 SQ FT
Jurisdiction	CULPEPER VA
Township / Civil Division	WEST FAIRFAX
Census Block Group	1
Census Block	1021
Census Tract	930300

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	405 CLAY ST, CULPEPER, VA 22701-2811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Oct 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Jul 18, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Oct 18, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2018 · Amount on Record
Deed Sale	Oct 18, 2018 · Amount on Record
Deed Document Number	20185290
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	405 CLAY ST, CULPEPER, VA 22701-2811
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210009126
Date	Oct 19, 2021
Instrument	210009126

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.25%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	405 CLAY ST, CULPEPER, VA 22701-2811
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200007346
Date	Oct 22, 2020
Instrument	200007346

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	405 CLAY ST, CULPEPER, VA 22701-2811
Document Number	190003806
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CLAY ST CULPEPER VA 227012811, CULPEPER, VA 22701-2811

Mortgage

Document Number	190003806
Date	Jul 24, 2019
Instrument	3806

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

Interest

Rate Type	Fixed Rate
Rate	3.63%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Oct 18, 2018
Property Address	405 CLAY ST, CULPEPER, VA 22701-2811
Document Number	180005290
Instrument Date	Oct 16, 2018
Instrument	180005290
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
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	405 CLAY ST, CULPEPER, VA 22701-2811

Mortgage

Document Number	180005291
Date	Oct 18, 2018
Instrument	180005291

Lender

Name	QUICKEN LOANS INC

Agreement

Type	VA 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
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	$1,216.00 (-12.14%)	$282,800 (+10.86%) Land $74,900 Building $207,900	$282,800 (+10.86%) Land $74,900 Building $207,900
2024	$1,384.00 (+3.21%)
2023	$1,341.00	$255,100 Land $56,300 Building $198,800	$255,100 Land $56,300 Building $198,800

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	None beyond 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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