538 Windermere Dr, Culpeper, VA 22701 Property Records

Culpeper County property record for 538 Windermere Dr, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,026 sqft · built 2005
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Feb 2012)
Tax Bill	$2,188 (2025)
Deeds & Mortgages	Nov 2021 Refinance Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`40-R-2-200`

Property Details

APN / Parcel Number

Primary APN	`40-R-2-200`
Alternative APN	`21397`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,026 sqft Living Area
1st Floor Area	1,402 sqft
Basement Area	1,402 sqft
Unfinished Basement	1,402 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Area	420 sqft
Driveway	Gravel (Chat) Driveway
Parking Spaces	2 Parking Spaces

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	21397
Street Address	538 WINDERMERE DR
City	CULPEPER
State	VA
Zip	22701-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	REDWOOD LAKES PHASE 2C LOT 200 10,000 SQ FT PLAT 8/320-326
Legal Subdivision	REDWOOD LAKES
Legal Phase	2C
Legal Lot Number	10,200
Jurisdiction	CULPEPER VA
Township / Civil Division	WEST FAIRFAX
Census Block Group	3
Census Block	3014
Census Tract	930203

Owner

538 Windermere Dr is owned and occupied by an individual who bought it in February 2012.

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

Owner of Record	Individual Name on File
Mailing Address	538 WINDERMERE DR, CULPEPER, VA 22701-2056
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
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2012 · Amount on File
Deed Sale	Feb 28, 2012 · Amount on File
Prior Sale	Feb 1, 2012 · Amount on File
Deed Book / Page	1200 / 1077
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	538 WINDERMERE DR, CULPEPER, VA 22701-2056
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009499
Date	Nov 1, 2021
Instrument	210009499

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	538 WINDERMERE DR, CULPEPER, VA 22701-2056
Document Number	180002648
Instrument Date	Apr 30, 2018
Transaction Type	Mortgage
Record Updated	Jun 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180002648
Date	May 18, 2018
Instrument	2648

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 17, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 538 Windermere Dr was $2,188, down 12.4% 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	$2,188.00 (-12.37%)	$508,800 Land $111,100 Building $397,700	$508,800 Land $111,100 Building $397,700
2024	$2,497.00 (+1.13%)
2023	$2,469.00	$469,500 Land $98,900 Building $370,600	$469,500 Land $98,900 Building $370,600

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

Flood

FEMA maps place 538 Windermere Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 25, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 538 Windermere 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.

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 281 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	1,200 / 35
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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