Culpeper County property record for 687 E Spencer St, Culpeper, VA 22701
| Property Type | Apartment House (2-4 Units) |
|---|---|
| Details | 2 bd · 1 ba · 4,368 sqft · built 1944 |
| Lot Size | 0.09 acres (3,932 sqft) |
| Owner | Company Name on File |
| Tax Bill | $919 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-A2-2-F2-19 |
| Primary APN | 41-A2-2-F2-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Units | 6 Units |
| Stories | 3 Stories |
| Building Area | 4,368 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Multi-Family |
| Exterior Material | Stucco |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 3,932 sqft (0.09 acres) |
| Porch | Porch |
| Porch Area | 264 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 14825 |
|---|---|
| Street Address | 687 E SPENCER ST |
| City | CULPEPER |
| State | VA |
| Zip | 22701-2884 |
| Property Category | Commercial |
| Property Type | Residential > Multi-Unit > Apartment House (2-4 Units) |
| Local Zoning Code | M1 |
| Legal Description | HILLS LOTS LOTS 19 & 20 |
| Legal Subdivision | 156 |
| Legal Lot Number | 19-20 |
| 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 | PO BOX 453, CULPEPER, VA 22701-0453 |
| 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 | Sep 30, 2022 |
| Property Address | 687 E SPENCER ST, CULPEPER, VA 22701-2884 |
| Document Number | 0220005685 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 220005685 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 453, CULPEPER, VA 22701-0453 |
| Investor | Possibly a Property Investor |
| Document Number | 0220005686 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 220005686 |
| Name | PARTY III |
|---|---|
| Type | Private Party |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
| Term | 175 Months |
| Due | Apr 1, 2037 |
| 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 | $919.00 (-10.78%) | $213,700 (+26.23%) Land $40,000 Building $173,700 | $213,700 (+26.23%) Land $40,000 Building $173,700 |
| 2024 | $1,030.00 (+15.73%) | ||
| 2023 | $890.00 | $169,300 Land $40,000 Building $129,300 | $169,300 Land $40,000 Building $129,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | None beyond ember reach |
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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