Culpeper County property record for 440 Kearns Dr, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,197 sqft · built 2004 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $487,000 (Aug 2026) |
| Tax Bill | $1,990 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-R-2-2 |
| Primary APN | 40-R-2-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,197 sqft Living Area |
| 1st Floor Area | 1,045 sqft |
| Basement Area | 1,046 sqft |
| Unfinished Basement | 1,046 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20052 |
|---|---|
| Street Address | 440 KEARNS DR |
| City | CULPEPER |
| State | VA |
| Zip | 22701-1994 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | REDWOOD LAKES SUBDIVISION PHASE 2 LOT 2 PLAT CAB 7/549-553 19,915 SQ FT |
| Legal Subdivision | REDWOOD LAKES SUBDIVISION |
| Legal Phase | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | WEST FAIRFAX |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 930203 |
440 Kearns Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Culpeper County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2026 | Deed, Transfer · Conventional Mortgage CREDIT UNION COMMUNITY CREDIT UNION |
| Jun 25, 2026 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION COMMUNITY CREDIT UNION |
| Jun 1, 2021 | Warranty Deed, Transfer CARTER TITLE LLC, CARTERET TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2026 · Amount on File |
| Deed Sale | Aug 14, 2026 · Amount on File |
| Prior Sale | Jun 1, 2021 · Amount on File |
| Deed Document Number | 20264510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Aug 14, 2026 |
| Property Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
| Document Number | 0000004510 |
| Instrument Date | Aug 12, 2026 |
| Instrument | 20264510 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $49,187.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
| Document Number | 0000004511, |
|---|---|
| Date | Aug 14, 2026 |
| Instrument | 20264511 |
| Name | CREDIT UNION COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.59% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Jun 25, 2026 |
| Property Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
| Document Number | 0000003419 |
| Instrument Date | May 18, 2026 |
| Instrument | 20263419 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | DOCUMENT RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
| Document Number | 0000003419, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 20263419 |
| Name | CREDIT UNION COMMUNITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Jun 1, 2021 |
| Property Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
| Document Number | 0210005056 |
| Instrument Date | May 20, 2021 |
| Instrument | 210005056 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | CARTER TITLE LLC, CARTERET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 KEARNS DR, CULPEPER, VA 22701-1994 |
The 2025 property tax bill for 440 Kearns Dr was $1,990, down 12.4% from the year before.
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 | $1,990.00 (-12.37%) | $462,800 Land $113,200 Building $349,600 | $462,800 Land $113,200 Building $349,600 |
| 2024 | $2,271.00 (+1.2%) | ||
| 2023 | $2,244.00 | $426,700 Land $100,800 Building $325,900 | $426,700 Land $100,800 Building $325,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Kearns Dr 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 | 2 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 risk around 440 Kearns Dr 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 345 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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