721 Saddlebrook Rd, Culpeper, VA 22701 Property Records

Culpeper County property record for 721 Saddlebrook Rd, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,702 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Nov 2021)
Tax Bill	$2,267 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-O-1-2-50`

Property Details

APN / Parcel Number

Primary APN	`41-O-1-2-50`
Alternative APN	`23317`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,702 sqft Living Area
Basement Area	1,159 sqft
Unfinished Basement	1,159 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
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	23317
Street Address	721 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 50 10,000 SQ FT PF 1/107-109
Legal Subdivision	MOUNTAIN BROOK ESTATE
Legal Phase	2
Legal Lot Number	10,50
Jurisdiction	CULPEPER VA
Township / Civil Division	EAST FAIRFAX
Census Block Group	2
Census Block	2043
Census Tract	930400

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	721 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Nov 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESIDE FINANCIAL LLC
Jul 26, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NBKC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	202110239
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	0000008226
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Nov 29, 2021
Property Address	721 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Document Number	0210010239
Instrument Date	Nov 22, 2021
Instrument	210010239
Transaction Type	Transfer
Record Updated	Jan 5, 2022
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE LLC

Transaction

Amount	Amount Recorded
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	721 SADDLEBROOK RD, CULPEPER, VA 22701-3363

Mortgage

Document Number	0210010240
Date	Nov 29, 2021
Instrument	210010240

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	721 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MASTERS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200008410
Date	Nov 23, 2020
Instrument	200008410

Lender

Name	HOMESIDE FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Jul 26, 2019
Property Address	721 SADDLEBROOK RD, CULPEPER, VA 22701-3363
Document Number	190003837
Instrument Date	Jul 26, 2019
Instrument	190003837
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 13, 2021
Title Company	CHAMPION TITLE & STLMNTS INC

Transaction

Amount	Amount Recorded
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	721 SADDLEBROOK RD, CULPEPER, VA 22701-3363

Mortgage

Document Number	190003838
Date	Jul 26, 2019
Instrument	190003838

Lender

Name	NBKC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$2,267.00 (-12.87%)	$527,300 (+3.96%) Land $108,400 Building $418,900	$527,300 (+3.96%) Land $108,400 Building $418,900
2024	$2,602.00 (-2.44%)
2023	$2,667.00	$507,200 Land $103,700 Building $403,500	$507,200 Land $103,700 Building $403,500

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 · 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

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.

Nearby Properties on Saddlebrook Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures