644 Windermere Dr, Culpeper, VA 22701 Property Records

Culpeper County property record for 644 Windermere Dr, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,088 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$270,860 (Apr 2015)
Tax Bill	$2,013 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-R-2-126`

Property Details

APN / Parcel Number

Primary APN	`40-R-2-126`
Alternative APN	`21461`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,088 sqft Living Area
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21461
Street Address	644 WINDERMERE DR
City	CULPEPER
State	VA
Zip	22701-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	REDWOOD LAKES PHASE 2D, LOT 126 12,115 SQ FT PLAT 8/320-326
Legal Subdivision	REDWOOD LAKES
Legal Phase	2D
Legal Lot Number	12,115
Jurisdiction	CULPEPER VA
Township / Civil Division	WEST FAIRFAX
Census Block Group	3
Census Block	3018
Census Tract	930203

Owner

Source: Culpeper County records · APN 40-R-2-126

Assessment roll updated November 7, 2025 · Last verified June 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 File
Mailing Address	644 WINDERMERE DR, CULPEPER, VA 22701-1213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 16, 2015 · Amount on Record
Deed Sale	Apr 16, 2015 · Amount on Record
Deed Book / Page	1500 / 1883
Last Transfer Date	Apr 16, 2020
Transfer Doc	0000002367
Record Updated	Sep 20, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CULPEPER VA
Recording Date	Apr 22, 2020
Property Address	644 WINDERMERE DR, CULPEPER, VA 22701-1213
Document Number	200002367
Instrument Date	Apr 16, 2020
Instrument	200002367
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 WINDERMERE DR, CULPEPER, VA 22701-1213

Mortgage

Document Number	0200002368
Date	Apr 22, 2020
Instrument	200002368

Lender

Name	FIRST MIDWEST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Culpeper County records · Assessment roll updated November 7, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,013.00 (-12.52%)	$468,200 (+12.31%) Land $111,700 Building $356,500	$468,200 (+12.31%) Land $111,700 Building $356,500
2024	$2,301.00 (+4.97%)
2023	$2,192.00	$416,900 Land $99,500 Building $317,400	$416,900 Land $99,500 Building $317,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 25, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA.

Based on FCC filings for 281 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF CULPEPER serves 21,184 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.