661 Windermere Dr, Culpeper, VA 22701 Property Records

Culpeper County property record for 661 Windermere Dr, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,026 sqft · built 2006
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$270,029 (Aug 2008)
Tax Bill	$2,171 (2025)
Deeds & Mortgages	Sep 2021 Refinance Oct 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`40-R-2-119`

Property Details

APN / Parcel Number

Primary APN	`40-R-2-119`
Alternative APN	`21490`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,026 sqft Living Area
1st Floor Area	1,402 sqft
Basement Area	1,402 sqft
Unfinished Basement	1,402 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Area	420 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	21490
Street Address	661 WINDERMERE DR
City	CULPEPER
State	VA
Zip	22701-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	REDWOOD LAKES PHASE 2D, LOT 119 15,155 SQ FT PLAT 8/320-326
Legal Subdivision	REDWOOD LAKES
Legal Phase	2D
Legal Lot Number	15,119
Jurisdiction	CULPEPER VA
Township / Civil Division	WEST FAIRFAX
Census Block Group	3
Census Block	3020
Census Tract	930203

Owner

Source: Culpeper County records, as of May 27, 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	661 WINDERMERE DR, CULPEPER, VA 22701-1212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC UNION BANK
Oct 7, 2024	Deed of Trust, Mortgage · Line of Credit EP FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2008 · Amount on Record
Deed Sale	Aug 29, 2008 · Amount on Record
Prior Sale	Apr 3, 2007 · Amount on Record
Deed Book / Page	800 / 5657
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	661 WINDERMERE DR, CULPEPER, VA 22701-1212
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210008164
Date	Sep 15, 2021
Instrument	210008164

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	661 WINDERMERE DR, CULPEPER, VA 22701-1212
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240004516
Date	Oct 7, 2024
Instrument	240004516

Lender

Name	EP FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 28, 2044

Interest

Rate Type	Adjustable 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	$2,171.00 (-12.42%)	$504,900 (+8.19%) Land $112,300 Building $392,600	$504,900 (+8.19%) Land $112,300 Building $392,600
2024	$2,479.00 (+1.02%)
2023	$2,454.00	$466,700 Land $100,000 Building $366,700	$466,700 Land $100,000 Building $366,700

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.

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