408 E Chandler St, Culpeper, VA 22701 Property Records

Culpeper County property record for 408 E Chandler St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1985
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$141,016 (Jun 2018)
Tax Bill	$858 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-A2-1-H2-8`

Property Details

APN / Parcel Number

Primary APN	`41-A2-1-H2-8`
Alternative APN	`10768`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Deck Area	30 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10768
Street Address	408 E CHANDLER ST
City	CULPEPER
State	VA
Zip	22701-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M1
Legal Description	WHIPPLE ALLEY
Jurisdiction	CULPEPER VA
Township / Civil Division	EAST FAIRFAX
Census Block Group	2
Census Block	2026
Census Tract	930400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South East Street Historic District listed 2009 · 76 contributing resources · NRIS 09000663

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

408 E Chandler St is owned and occupied by an individual who bought it in June 2018.

Source: Culpeper County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	408 E CHANDLER ST, CULPEPER, VA 22701-3204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Dec 6, 2019	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Mar 12, 2019	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Dec 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Jun 8, 2018	Warranty Deed, Transfer · VA Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2018 · Amount on File
Deed Sale	Jun 8, 2018 · Amount on File
Prior Sale	Dec 29, 2010 · Amount on File
Deed Document Number	20183082
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	408 E CHANDLER ST, CULPEPER, VA 22701-3204
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	VISIONET SYSTEMS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190006617
Date	Dec 6, 2019
Instrument	190006617

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	408 E CHANDLER ST, CULPEPER, VA 22701-3204
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001082
Date	Mar 12, 2019
Instrument	190001082

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2044

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	408 E CHANDLER ST, CULPEPER, VA 22701-3204
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	VISIONET SYSTEMS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200008944
Date	Dec 14, 2020
Instrument	200008944

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jun 8, 2018
Property Address	408 E CHANDLER ST, CULPEPER, VA 22701-3204
Document Number	180003082
Instrument Date	Jun 8, 2018
Instrument	180003082
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	BLUE RIDGE TITLE & STLMNT CO

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	408 E CHANDLER ST, CULPEPER, VA 22701-3204

Mortgage

Document Number	180003083
Date	Jun 8, 2018
Instrument	180003083

Lender

Name	NFM INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 408 E Chandler St was $858, down 13.2% 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	$858.00 (-13.16%)	$199,600 Land $45,000 Building $154,600	$199,600 Land $45,000 Building $154,600
2024	$988.00 (-4.82%)
2023	$1,038.00	$197,400 Land $45,000 Building $152,400	$197,400 Land $45,000 Building $152,400

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

Flood

FEMA maps place 408 E Chandler St in Zone X, an area of minimal flood risk.

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	3 in force

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 408 E Chandler 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	Direct burnable vegetation

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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