561 Windermere Dr, Culpeper, VA 22701 Property Records

Culpeper County property record for 561 Windermere Dr, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,381 sqft · built 2005
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$286,500 (Nov 2014)
Tax Bill	$2,187 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`40-R-2-224`

Property Details

APN / Parcel Number

Primary APN	`40-R-2-224`
Alternative APN	`21418`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,381 sqft Living Area
1st Floor Area	1,322 sqft
Basement Area	1,322 sqft
Unfinished Basement	1,322 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	13,939 sqft (0.32 acres)
Garage Area	420 sqft
Driveway	Gravel (Chat) Driveway
Parking Spaces	2 Parking Spaces
Deck Area	192 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	21418
Street Address	561 WINDERMERE DR
City	CULPEPER
State	VA
Zip	22701-2059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	REDWOOD LAKES PHASE 2C, LOT 224 14,076 SQ FT PLAT 8/320-326
Legal Subdivision	REDWOOD LAKES
Legal Phase	2C
Legal Lot Number	14,224
Jurisdiction	CULPEPER VA
Township / Civil Division	WEST FAIRFAX
Census Block Group	3
Census Block	3017
Census Tract	930203

Owner

Source: Culpeper County records, as of July 24, 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	561 WINDERMERE DR, CULPEPER, VA 22701-2059
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit LIBRARY/CONGRESS FEDERAL CREDIT UNION
Oct 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2014 · Amount on Record
Deed Sale	Nov 24, 2014 · Amount on Record
Prior Sale	Oct 15, 2013 · Amount on Record
Deed Book / Page	1400 / 5651
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Recording Date	Jul 9, 2026
Property Address	561 WINDERMERE DR, CULPEPER, VA 22701-2059
Document Number	0000003708
Instrument Date	Jul 2, 2026
Instrument	20263708
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	PROPERTY TITLE AND ESCROW LLC, PROPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	561 WINDERMERE DR, CULPEPER, VA 22701-2059

Mortgage

Document Number	0000003708,
Date	Jul 9, 2026
Instrument	20263708

Lender

Name	LIBRARY/CONGRESS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	561 WINDERMERE DR, CULPEPER, VA 22701-2059
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009374
Date	Oct 28, 2021
Instrument	210009374

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

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	$2,187.00 (-12.87%)	$508,700 (+4.03%) Land $112,100 Building $396,600	$508,700 (+4.03%) Land $112,100 Building $396,600
2024	$2,510.00 (+11.61%)
2023	$2,249.00	$489,000 Land $99,800 Building $389,200	$489,000 Land $99,800 Building $389,200

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

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

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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