713 Saddlebrook Rd, Culpeper, VA 22701 Property Records

Culpeper County property record for 713 Saddlebrook Rd, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,433 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Aug 2020)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-O-1-2-51`

Property Details

APN / Parcel Number

Primary APN	`41-O-1-2-51`
Alternative APN	`23318`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,433 sqft Living Area
Basement Area	1,053 sqft
Unfinished Basement	1,053 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

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	23318
Street Address	713 SADDLEBROOK RD
City	CULPEPER
State	VA
Zip	22701-3363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MOUNTAIN BROOK ESTATES PHASE 2, LOT 51 10,068 SQ FT PF 1/107-109
Legal Subdivision	MOUNTAIN BROOK ESTATE
Legal Phase	2
Legal Lot Number	10,51
Jurisdiction	CULPEPER VA
Township / Civil Division	EAST FAIRFAX
Census Block Group	2
Census Block	2043
Census Tract	930400

Owner

713 Saddlebrook Rd is owned and occupied by an individual who bought it in August 2020.

Source: Culpeper County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	713 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage CBM MORTGAGE INC
Oct 17, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMEAMERICAN MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Prior Sale	Oct 17, 2018 · Amount on File
Deed Document Number	20205459
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Aug 21, 2020
Property Address	713 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Document Number	200005459
Instrument Date	Aug 19, 2020
Instrument	200005459
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	SUNSHINE TITLE & STLMNT INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	713 SADDLEBROOK RD, CULPEPER, VA 22701-3363

Mortgage

Document Number	200005460
Date	Aug 21, 2020
Instrument	200005460

Lender

Name	CBM MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Oct 17, 2018
Property Address	713 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Document Number	180005270
Instrument Date	Oct 16, 2018
Instrument	180005270
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 13, 2021
Title Company	MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10911 HOLLYBROOKE DR, CULPEPER, VA 22701

Mortgage

Document Number	180005271
Date	Oct 17, 2018
Instrument	180005271

Lender

Name	HOMEAMERICAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 713 Saddlebrook Rd was $2,131, down 12.8% from the year before.

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	$2,131.00 (-12.84%)	$495,600 Land $108,400 Building $387,200	$495,600 Land $108,400 Building $387,200
2024	$2,445.00 (-2.43%)
2023	$2,506.00	$476,500 Land $103,700 Building $372,800	$476,500 Land $103,700 Building $372,800

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

Flood

FEMA maps place 713 Saddlebrook Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Wildfire risk around 713 Saddlebrook Rd is low, with a 0.01% annual chance of 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	None beyond ember reach

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 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, Glo Fiber, T-Mobile.

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