Culpeper County property record for 409 N Commerce St, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,264 sqft · built 1933 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Nov 2017) |
| Tax Bill | $973 (2025) |
| Deeds & Mortgages | Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-A2-1-W1-6 |
| Primary APN | 41-A2-1-W1-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,264 sqft Living Area |
| 1st Floor Area | 632 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Porch | Porch |
| Porch Area | 122 sqft |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 14481 |
|---|---|
| Street Address | 409 N COMMERCE ST |
| City | CULPEPER |
| State | VA |
| Zip | 22701-2703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | COMMERCE ST 5,918 SQ FT |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | EAST FAIRFAX |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930300 |
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 N COMMERCE ST, CULPEPER, VA 22701-2703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2017 · Amount on Record |
| Deed Sale | Nov 20, 2017 · Amount on Record |
| Prior Sale | Apr 2, 2009 · Amount on Record |
| Deed Document Number | 20176298 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Nov 20, 2017 |
| Property Address | 409 N COMMERCE ST, CULPEPER, VA 22701-2703 |
| Document Number | 170006298 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 170006298 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | PREMIER TITLE & ESCROW LLC |
| 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 | 409 N COMMERCE ST, CULPEPER, VA 22701-2703 |
| Document Number | 170006299 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 170006299 |
| Name | HOMESIDE FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $973.00 (-12.03%) | $226,300 (+12.2%) Land $74,700 Building $151,600 | $226,300 (+12.2%) Land $74,700 Building $151,600 |
| 2024 | $1,106.00 (+4.34%) | ||
| 2023 | $1,060.00 | $201,700 Land $56,200 Building $145,500 | $201,700 Land $56,200 Building $145,500 |
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 · 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.
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.
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 283 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, T-Mobile.
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