Culpeper County property record for 645 E Spencer St, Culpeper, VA 22701
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 4 bd · 2 ba · 2,048 sqft · built 2004 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,220 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-A2-2-F2-31 |
| Primary APN | 41-A2-2-F2-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Multi-Family |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Deck Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20264 |
|---|---|
| Street Address | 645 E SPENCER ST |
| City | CULPEPER |
| State | VA |
| Zip | 22701-2841 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | M1 |
| Legal Description | E B HILL ADDITION 14751 SQ FT/LOT 31R PLAT CAB 7/613 |
| Legal Subdivision | E B HILL ADDITIONITION |
| Legal Lot Number | 31R |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | EAST FAIRFAX |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 930400 |
Source: Culpeper County assessment roll, as of November 7, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 19301 OLD ORANGE RD, CULPEPER, VA 22701-8334 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Apr 13, 2018 |
| Property Address | 645 E SPENCER ST, CULPEPER, VA 22701-2841 |
| Document Number | 180001889 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 180001889 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 700 SOUTHRIDGE PKWY STE 301B, 301B, CULPEPER, VA 22701-3775 |
| Document Number | 180001890 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 180001890 |
| Name | THE FAUQUIER BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 13, 2028 |
| Rate Type | Fixed Rate |
|---|
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 | $1,220.00 (-12.29%) | $283,700 (+9.28%) Land $76,000 Building $207,700 | $283,700 (+9.28%) Land $76,000 Building $207,700 |
| 2024 | $1,391.00 (+1.9%) | ||
| 2023 | $1,365.00 | $259,600 Land $57,100 Building $202,500 | $259,600 Land $57,100 Building $202,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
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 | Direct burnable vegetation at the parcel |
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 231 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 |
May also be available: AT&T, Shenandoah Telecommunications Company, T-Mobile USA.
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