Culpeper County property record for 408 Covington St, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,362 sqft · built 2005 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $360,000 (Dec 2022) |
| Tax Bill | $1,971 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Aug 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-V-1-25 |
| Primary APN | 40-V-1-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,362 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 204 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20808 |
|---|---|
| Street Address | 408 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 25 |
| Legal Subdivision | 163 |
| Legal Phase | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | WEST FAIRFAX |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930203 |
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 | 548 BAY RIDGE PKWY, BROOKLYN, NY 11209-3310 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Aug 31, 2018 | Deed of Trust, Mortgage · FHA Mortgage INTEGRITY HOME MORTGAGE CORPORATION |
| Sep 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC |
| Jun 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RIVER CITY MORTGAGE LLC |
| Apr 19, 2018 | Warranty Deed, Transfer THE BANK OF ROMNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2022 · Amount on Record |
| Deed Sale | Dec 15, 2022 · Amount on Record |
| Prior Sale | Apr 19, 2018 · Amount on Record |
| Deed Document Number | 20226878 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Dec 15, 2022 |
| Property Address | 408 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Document Number | 0220006878 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 220006878 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| 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 | 548 BAY RIDGE PKWY, BROOKLYN, NY 11209-3310 |
| Document Number | 0220006879 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 220006879 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 408 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | BLUE RIDGE TITLE & STLMNT CO |
| Name | Verified Name |
|---|
| Document Number | 0180004572 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 180004572 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 408 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0190004940 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 190004940 |
| Name | RIVER CITY MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 408 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210005741 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 210005741 |
| Name | RIVER CITY MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Apr 19, 2018 |
| Property Address | 408 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Document Number | 180002019 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 180002019 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | BLUE RIDGE TITLE & STLMNT CO |
| Amount | Amount Recorded |
|---|---|
| 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 | 408 COVINGTON ST, CULPEPER, VA 22701-2184 |
| Document Number | 180002020 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 180002020 |
| Name | THE BANK OF ROMNEY |
|---|
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|
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 | $1,971.00 (-12.44%) | $458,400 (+7.81%) Land $110,400 Building $348,000 | $458,400 (+7.81%) Land $110,400 Building $348,000 |
| 2024 | $2,251.00 (+0.67%) | ||
| 2023 | $2,236.00 | $425,200 Land $85,000 Building $340,200 | $425,200 Land $85,000 Building $340,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 267 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 |
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