581 Windermere Dr, Culpeper, VA 22701 Property Records

Culpeper County property record for 581 Windermere Dr, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,078 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jun 2021)
Tax Bill	$2,305 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-R-2-227`

Property Details

APN / Parcel Number

Primary APN	`40-R-2-227`
Alternative APN	`21421`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,078 sqft Living Area
1st Floor Area	1,642 sqft
Basement Area	1,642 sqft
Unfinished Basement	1,642 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Area	440 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	21421
Street Address	581 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 227 11,860 SQ FT PLAT 8/320-326
Legal Subdivision	REDWOOD LAKES
Legal Phase	2C
Legal Lot Number	11,227
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 15, 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	581 WINDERMERE DR, CULPEPER, VA 22701-2059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Jun 10, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
May 25, 2018	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPOR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	20215930
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jun 30, 2021
Property Address	581 WINDERMERE DR, CULPEPER, VA 22701-2059
Document Number	210005930
Instrument Date	Jun 22, 2021
Instrument	210005930
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 WINDERMERE DR, CULPEPER, VA 22701-2059

Mortgage

Document Number	210005931
Date	Jun 30, 2021
Instrument	210005931

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	210005932
Date	Jun 30, 2021
Instrument	210005932

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	581 WINDERMERE DR, CULPEPER, VA 22701-2059
Document Number	200003577
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 WINDERMERE DR CULPEPER VA 227012059, CULPEPER, VA 22701-2059

Mortgage

Document Number	200003577
Date	Jun 15, 2020
Instrument	3577

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 14, 2048

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	May 25, 2018
Property Address	581 WINDERMERE DR, CULPEPER, VA 22701-2059
Document Number	180002797
Instrument Date	May 21, 2018
Instrument	180002797
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	NATIONAL SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 WLADERMERE DR, CULPEPER, VA 22701-2059

Mortgage

Document Number	180002798
Date	May 25, 2018
Instrument	180002798

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPOR

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$2,305.00 (-12.36%)	$536,000 (+8.52%) Land $111,700 Building $424,300	$536,000 (+8.52%) Land $111,700 Building $424,300
2024	$2,630.00 (+1.27%)
2023	$2,597.00	$493,900 Land $99,500 Building $394,400	$493,900 Land $99,500 Building $394,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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