409 Clay St, Culpeper, VA 22701 Property Records

Culpeper County property record for 409 Clay St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,199 sqft · built 1954
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$193,000 (Jun 2018)
Tax Bill	$1,313 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-A2-1-Y1-2`

Property Details

APN / Parcel Number

Primary APN	`41-A2-1-Y1-2`
Alternative APN	`4463`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,199 sqft Living Area
1st Floor Area	847 sqft
Attic	Attic
Attic Area	320 sqft
Basement Area	255 sqft
Finished Basement	255 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4463
Street Address	409 CLAY ST
City	CULPEPER
State	VA
Zip	22701-2811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	409 CLAY STREET 7,775 SQ FT
Legal Subdivision	J I COVELL PROPERTY
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	409 CLAY ST, CULPEPER, VA 22701-2811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jun 1, 2018	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	20182946
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	409 CLAY ST, CULPEPER, VA 22701-2811
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004024
Date	Jun 17, 2022
Instrument	220004024

Lender

Name	DISCOVER BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 17, 2032

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jun 1, 2018
Property Address	409 CLAY ST, CULPEPER, VA 22701-2811
Document Number	180002946
Instrument Date	May 30, 2018
Instrument	2946
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$193.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CLAY ST CULPEPER VA 227012811, CULPEPER, VA 22701-2811

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	$1,313.00 (-12.29%)	$305,400 (+9.66%) Land $75,100 Building $230,300	$305,400 (+9.66%) Land $75,100 Building $230,300
2024	$1,497.00 (+2.25%)
2023	$1,464.00	$278,500 Land $56,500 Building $222,000	$278,500 Land $56,500 Building $222,000

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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