Culpeper County property record for 405 Macoy Ave, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,096 sqft · built 1929 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,000 (Oct 2025) |
| Tax Bill | $2,101 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-A2-1-H-2 |
| Primary APN | 41-A2-1-H-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Attic | Attic |
| Attic Area | 320 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Porch |
| Porch Area | 324 sqft |
| Deck Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4546 |
|---|---|
| Street Address | 405 MACOY AVE |
| City | CULPEPER |
| State | VA |
| Zip | 22701-2916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MACOY AVE PLAT DB 482/569 |
| Legal Subdivision | MACOYS ADD |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | WEST FAIRFAX |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 930204 |
405 Macoy Ave is owned and occupied by two individuals who bought it in October 2025.
Source: Culpeper County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 MACOY AVE, CULPEPER, VA 22701-2916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Jan 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2025 · Amount on File |
| Deed Sale | Oct 16, 2025 · Amount on File |
| Deed Document Number | 20254939 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Oct 16, 2025 |
| Property Address | 405 MACOY AVE, CULPEPER, VA 22701-2916 |
| Document Number | 0250004939 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 250004939 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | ENTITLE SETTLEMENT SERVICES LLC, ENTITLE STLMT SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $595.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 405 MACOY AVE, CULPEPER, VA 22701-2916 |
| Document Number | 0250004941 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 250004941 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Jan 5, 2021 |
| Property Address | 405 MACOY AVE, CULPEPER, VA 22701-2916 |
| Document Number | 210000095 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 210000095 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 MACOY AVE, CULPEPER, VA 22701-2916 |
| Document Number | 210000096 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 210000096 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 405 Macoy Ave was $2,101, down 16.7% from the year before.
Source: Culpeper County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Culpeper County |
| Municipality | Culpeper Town |
| Unified School District | Culpeper County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,101.00 (-16.66%) | $488,600 Land $90,600 Building $398,000 | $488,600 Land $90,600 Building $398,000 |
| 2024 | $2,521.00 (+1.9%) | ||
| 2023 | $2,474.00 | $470,400 Land $71,900 Building $398,500 | $470,400 Land $71,900 Building $398,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Macoy Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 25, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 405 Macoy Ave is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 330 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 |
| AT&T Fixed Wireless | 100 / 20 |
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