406 Clay St, Culpeper, VA 22701 Property Records

Culpeper County property record for 406 Clay St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,458 sqft · built 1944
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jun 2024)
Tax Bill	$1,559 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Dec 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-A2-1-X1-11`

Property Details

APN / Parcel Number

Primary APN	`41-A2-1-X1-11`
Alternative APN	`5000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,458 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Porch	Porch
Porch Area	51 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5000
Street Address	406 CLAY ST
City	CULPEPER
State	VA
Zip	22701-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	RAILROAD ST 3 PLAT DB 566/689
Legal Subdivision	EAST FAIRFAX
Jurisdiction	CULPEPER VA
Township / Civil Division	EAST FAIRFAX
Census Block Group	1
Census Block	1010
Census Tract	930300

Owner

406 Clay St is owned and occupied by an individual who bought it in June 2024.

Source: Culpeper County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	406 CLAY ST, CULPEPER, VA 22701-2812
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORPORATION
Dec 20, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDLAND MORTGAGE CORPORATION
May 4, 2017	Grant Deed, Transfer RGS TITLE
Feb 24, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2024 · Amount on File
Deed Sale	Jun 14, 2024 · Amount on File
Prior Sale	Jun 11, 2021 · Amount on File
Deed Document Number	20242503
Prior Transfer Date	Feb 7, 2017
Prior Transfer Doc	0000000969
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jun 11, 2021
Property Address	406 CLAY ST, CULPEPER, VA 22701-2812
Document Number	210005368
Instrument Date	Jun 9, 2021
Instrument	210005368
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	BLUE RIDGE TITLE AND SETTLEMENT, BLUE RIDGE TITLE & STLMNT

Transaction

Amount	Amount on Record
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	406 CLAY ST, CULPEPER, VA 22701-2812

Mortgage

Document Number	210005369
Date	Jun 11, 2021
Instrument	210005369

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Dec 20, 2017
Property Address	406 CLAY ST, CULPEPER, VA 22701-2812
Document Number	170006877
Instrument Date	Dec 19, 2017
Instrument	170006877
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	RGS TITLE

Transaction

Amount	Amount 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	406 CLAY ST, CULPEPER, VA 22701-2812

Mortgage

Document Number	170006878
Date	Dec 20, 2017
Instrument	170006878

Lender

Name	MIDLAND MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CULPEPER VA
Recording Date	May 4, 2017
Property Address	406 CLAY ST, CULPEPER, VA 22701-2812
Document Number	170002331
Instrument Date	May 1, 2017
Instrument	2331
Transaction Type	Transfer
Record Updated	May 11, 2017
Title Company	RGS TITLE

Transaction

Amount	Amount on Record
Tax	$68.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1003 BRAGG RD FREDERICKSBURG VA 224074909, FREDERICKSBURG, VA 22407-4909
Investor	Possibly a Property Investor

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CULPEPER VA
Recording Date	Feb 24, 2017
Property Address	406 CLAY ST, CULPEPER, VA 22701-2812
Document Number	170000969
Instrument Date	Feb 7, 2017
Instrument	969
Transaction Type	Foreclosure
Record Updated	Mar 6, 2017

Transaction

Amount	Amount on Record
Tax	$91.39
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

Tax Assessment & Valuation

The 2025 property tax bill for 406 Clay St was $1,559, down 11.6% from the year before.

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	$1,559.00 (-11.62%)	$362,600 Land $74,600 Building $288,000	$362,600 Land $74,600 Building $288,000
2024	$1,764.00 (+8.02%)
2023	$1,633.00	$310,500 Land $56,100 Building $254,400	$310,500 Land $56,100 Building $254,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 Clay St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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

Wildfire risk around 406 Clay St 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	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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