414 Clay St, Culpeper, VA 22701 Property Records

Culpeper County property record for 414 Clay St, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 957 sqft · built 1949
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on Record
Tax Bill	$1,185 (2025)
Deeds & Mortgages	Mar 2021 Refinance Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-A2-1-X1-13`

Property Details

APN / Parcel Number

Primary APN	`41-A2-1-X1-13`
Alternative APN	`12038`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	957 sqft Living Area
1st Floor Area	957 sqft
Attic	Attic
Attic Area	287 sqft
Basement Area	957 sqft
Unfinished Basement	957 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
Porch	Porch
Porch Area	112 sqft
Deck Area	160 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	12038
Street Address	414 CLAY ST
City	CULPEPER
State	VA
Zip	22701-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CLAY ST PLAT DB 565/59
Jurisdiction	CULPEPER VA
Township / Civil Division	EAST FAIRFAX
Census Block Group	1
Census Block	1010
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	414 CLAY ST, CULPEPER, VA 22701-2812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK NA
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage INTEGRITY HOME MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	414 CLAY ST, CULPEPER, VA 22701-2812
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002192
Date	Mar 10, 2021
Instrument	210002192

Lender

Name	CITIZENS BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	414 CLAY ST, CULPEPER, VA 22701-2812
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170006870
Date	Dec 20, 2017
Instrument	170006870

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2028

Interest

Rate Type	Fixed Rate

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	$1,185.00 (-11.7%)	$275,600 (+15.7%) Land $75,100 Building $200,500	$275,600 (+15.7%) Land $75,100 Building $200,500
2024	$1,342.00 (+7.19%)
2023	$1,252.00	$238,200 Land $56,500 Building $181,700	$238,200 Land $56,500 Building $181,700

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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