Culpeper County property record for 714 Saddlebrook Rd, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,889 sqft · built 2018 |
| Lot Size | 0.463 acres (20,168 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $395,000 (Oct 2019) |
| Tax Bill | $2,377 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4-1O-1-1 2-8 |
| Primary APN | 4-1O-1-1 2-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,889 sqft Living Area |
| Basement Area | 1,339 sqft |
| Unfinished Basement | 1,339 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,168 sqft (0.463 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 24862 |
|---|---|
| Street Address | 714 SADDLEBROOK RD |
| City | CULPEPER |
| State | VA |
| Zip | 22701-3299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MOUNTIAN BROOK ESTATES PHASE 1 LOT 28 PF 3/934 |
| Legal Subdivision | MOUNTIAN BROOK ESTATE |
| Legal Phase | 1 |
| Legal Lot Number | 28 |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | EAST FAIRFAX |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 930400 |
Source: Culpeper County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 714 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Oct 23, 2019 | Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Sep 28, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMEAMERICAN MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2019 · Amount on Record |
| Deed Sale | Oct 23, 2019 · Amount on Record |
| Prior Sale | Sep 28, 2018 · Amount on Record |
| Deed Document Number | 20195713 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 714 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210001680 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 210001680 |
| Name | EMBRACE HOME LOANS INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Oct 23, 2019 |
| Property Address | 714 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Document Number | 190005713 |
| Instrument Date | Oct 21, 2019 |
| Instrument | 5713 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 714 SADDLEBROOK RD CULPEPER VA 227013299, CULPEPER, VA 22701-3299 |
| Document Number | 190005714 |
|---|---|
| Date | Oct 23, 2019 |
| Instrument | 5714 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Sep 28, 2018 |
| Property Address | 714 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Document Number | 180004982 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 180004982 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | CHAMPION TITLE & STLMNTS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 714 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Document Number | 180004983 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 180004983 |
| Name | HOMEAMERICAN MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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 | $2,377.00 (-12.83%) | $552,700 (+3.89%) Land $110,500 Building $442,200 | $552,700 (+3.89%) Land $110,500 Building $442,200 |
| 2024 | $2,727.00 (-2.54%) | ||
| 2023 | $2,798.00 | $532,000 Land $105,700 Building $426,300 | $532,000 Land $105,700 Building $426,300 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 59 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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