Culpeper County property record for 741 Saddlebrook Rd, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,637 sqft · built 2018 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $555,000 (Dec 2025) |
| Tax Bill | $2,171 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Oct 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-O-1-2-46 |
| Primary APN | 41-O-1-2-46 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,637 sqft Living Area |
| Basement Area | 1,128 sqft |
| Unfinished Basement | 1,128 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 | 13,504 sqft (0.31 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 23313 |
|---|---|
| Street Address | 741 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 46 13,445 SQ FT PF 1/107-109 |
| Legal Subdivision | MOUNTAIN BROOK ESTATE |
| Legal Phase | 2 |
| Legal Lot Number | 13,46,4 |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | EAST FAIRFAX |
| Census Block Group | 2 |
| Census Block | 2043 |
| 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 | 2 Individuals on Record |
|---|---|
| Mailing Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 11, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CREDIT |
| Oct 29, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU |
| Dec 23, 2025 | Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP |
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional with PMI NEXBANK SSB |
| Mar 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEXBANK SSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on Record |
| Deed Sale | Dec 23, 2025 · Amount on Record |
| Deed Document Number | 20256333 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Title Company | DOCUMENT RECORDING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0230001413 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 230001413 |
| Name | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0250005201 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 250005201 |
| Name | UNIVERSITY OF VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Dec 23, 2025 |
| Property Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Document Number | 0250006333 |
| Map Reference | DOC 060001487 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 250006333 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Document Number | 0250006334 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 250006334 |
| Name | INTEGRITY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Document Number | 200002587 |
| Instrument Date | Apr 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 741 SADDLEBROOK RD CULPEPER VA 227013363, CULPEPER, VA 22701-3363 |
| Document Number | 200002587 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 2587 |
| Name | NEXBANK SSB |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 741 SADDLEBROOK RD, CULPEPER, VA 22701-3363 |
| Document Number | 190001436 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 741 SADDLEBROOK RD CULPEPER VA 22701, CULPEPER, VA 22701 |
| Document Number | 190001436 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | 1436 |
| Name | NEXBANK SSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2049 |
| 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 | $2,171.00 (-12.85%) | $504,900 (+4.15%) Land $109,200 Building $395,700 | $504,900 (+4.15%) Land $109,200 Building $395,700 |
| 2024 | $2,491.00 (-2.31%) | ||
| 2023 | $2,550.00 | $484,800 Land $104,500 Building $380,300 | $484,800 Land $104,500 Building $380,300 |
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 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.
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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