648 Windermere Dr, Culpeper, VA 22701 Property Records

Culpeper County property record for 648 Windermere Dr, Culpeper, VA 22701 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,156 sqft · built 2006
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Feb 2026)
Tax Bill	$2,030 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-R-2-125`

Property Details

APN / Parcel Number

Primary APN	`40-R-2-125`
Alternative APN	`21460`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,156 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Unfinished Basement	1,028 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Garage Area	400 sqft
Driveway	Gravel (Chat) Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 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	21460
Street Address	648 WINDERMERE DR
City	CULPEPER
State	VA
Zip	22701-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDWOOD LAKES PHASE 2D, LOT 125 14,456 SQ FT PLAT 8/320-326
Legal Subdivision	REDWOOD LAKES
Legal Phase	2D
Legal Lot Number	14,125
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-2-125

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	2 Individual Names on File
Mailing Address	648 WINDERMERE DR, CULPEPER, VA 22701-1213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2018	Deed of Trust, Mortgage CLEARPATH LNDG
Jun 13, 2017	Grant Deed, Transfer · FHA Mortgage MORTGAGE ONE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 02, 2026 · Amount on Record
Deed Sale	Feb 02, 2026 · Amount on Record
Prior Sale	Jun 13, 2017 · Amount on Record
Deed Document Number	2026470
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	648 WINDERMERE DR, CULPEPER, VA 22701-1213
Document Number	180001066
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180001066
Date	Mar 02, 2018
Instrument	1066

Lender

Name	CLEARPATH LNDG

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2048

Interest

Rate Type	Fixed Rate
Rate	3.88%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CULPEPER VA
Recording Date	Jun 13, 2017
Property Address	648 WINDERMERE DR, CULPEPER, VA 22701-1213
Document Number	170003169
Instrument Date	Jun 09, 2017
Instrument	3169
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	648 WINDERMERE DR CULPEPER VA 227011213, CULPEPER, VA 22701-1213

Mortgage

Document Number	170003170
Date	Jun 13, 2017
Instrument	3170

Lender

Name	MORTGAGE ONE SOLUTIONS
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2047

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	$2,030.00 (-11.78%)	$472,100 (+14.73%) Land $112,200 Building $359,900	$472,100 (+14.73%) Land $112,200 Building $359,900
2024	$2,301.00 (+6.33%)
2023	$2,164.00	$411,500 Land $99,900 Building $311,600	$411,500 Land $99,900 Building $311,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Culpeper County (51047C), updated February 25, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 281 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Verizon	Fiber	2,300 / 2,300	Yes
Xfinity	Cable	1,200 / 35	Yes
Virginia Broadband	Fixed Wireless (unlicensed)	100 / 25	No

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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