Culpeper County property record for 746 Saddlebrook Rd, Culpeper, VA 22701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,793 sqft · built 2018 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $357,960 (Mar 2019) |
| Tax Bill | $2,321 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-O-1-2-43 |
| Primary APN | 41-O-1-2-43 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,793 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 | 14,810 sqft (0.34 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 23310 |
|---|---|
| Street Address | 746 SADDLEBROOK RD |
| City | CULPEPER |
| State | VA |
| Zip | 22701-3299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MOUNTAIN BROOK ESTATES PHASE 2, LOT 43 14,852 SQ FT PF 1/107-109 |
| Legal Subdivision | MOUNTAIN BROOK ESTATE |
| Legal Phase | 2 |
| Legal Lot Number | 14,43,8 |
| Jurisdiction | CULPEPER VA |
| Township / Civil Division | EAST FAIRFAX |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 930400 |
Source: Culpeper County assessment roll, APN 41-O-1-2-43, as of November 7, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 08, 2022 | Deed of Trust, Mortgage · Line of Credit SPRING SQ LLC |
| Apr 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Jan 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Mar 13, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMEAMERICAN MORTGAGE CORPORATION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 13, 2019 · Amount on Record |
| Deed Sale | Mar 13, 2019 · Amount on Record |
| Deed Document Number | 20191097 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0250004277 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 250004277 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220005375 |
|---|---|
| Date | Sep 08, 2022 |
| Instrument | 220005375 |
| Name | SPRING SQ LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 07, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | KNOWLEDGE SPLICE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0210003720 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 210003720 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CULPEPER VA |
| Property Address | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Document Number | 200000482 |
| Instrument Date | Jan 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 746 SADDLEBROOK RD CULPEPER VA 227013299, CULPEPER, VA 22701-3299 |
| Document Number | 200000482 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 482 |
| Name | PENNYMAC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CULPEPER VA |
| Recording Date | Mar 13, 2019 |
| Property Address | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Document Number | 190001097 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 190001097 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | CHAMPION TITLE & STLMNTS INC |
| 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 | 746 SADDLEBROOK RD, CULPEPER, VA 22701-3299 |
| Document Number | 190001098 |
|---|---|
| Date | Mar 13, 2019 |
| Instrument | 190001098 |
| Name | HOMEAMERICAN MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Culpeper County assessment roll as of November 7, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Culpeper County |
| Municipality | Culpeper Town |
| Unified School District | Culpeper County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,321.00 (-12.84%) | $539,700 (+3.87%) Land $109,500 Building $430,200 | $539,700 (+3.87%) Land $109,500 Building $430,200 |
| 2024 | $2,663.00 (-2.56%) | ||
| 2023 | $2,733.00 | $519,600 Land $104,700 Building $414,900 | $519,600 Land $104,700 Building $414,900 |
Source: FEMA National Flood Hazard Layer, Culpeper County (51047C), as of February 25, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510479304002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 59 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system VA6047500, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF CULPEPER serves 21,184 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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