9176 Whitestone Ct, Culpeper, VA 22701 Property Records

Culpeper County property record for 9176 Whitestone Ct, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,810 sqft · built 1989
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on File
Last Sale	$428,000 (Feb 2025)
Tax Bill	$1,987 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Feb 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49-K-1-2`

Property Details

APN / Parcel Number

Primary APN	`49-K-1-2`
Alternative APN	`15272`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,810 sqft Living Area
1st Floor Area	1,810 sqft
Basement Area	1,810 sqft
Finished Basement	1,810 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	89,734 sqft (2.06 acres)
Garage Area	672 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	10 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	15272
Street Address	9176 WHITESTONE CT
City	CULPEPER
State	VA
Zip	22701-8183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WHITESTONE ESTATES LOT 2 PLAT DB 384/245
Legal Subdivision	WHITESTONE ESTATE
Legal Lot Number	2
Jurisdiction	CULPEPER VA
Township / Civil Division	CEDAR MOUNTAIN
Census Block Group	3
Census Block	3014
Census Tract	930501

Owner

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 Individual Names on File
Mailing Address	9176 WHITESTONE CT, CULPEPER, VA 22701-8183
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN ADVISORS GROUP
Feb 10, 2025	Warranty Deed, Transfer · ARM NAVY FEDERAL CREDIT UNION
Apr 20, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Apr 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 10, 2025 · Amount on Record
Deed Sale	Feb 10, 2025 · Amount on Record
Prior Sale	Dec 7, 1998 · Amount on Record
Deed Document Number	2025525
Prior Transfer Date	Jun 6, 2015
Prior Transfer Doc	0150003262
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	9176 WHITESTONE CT, CULPEPER, VA 22701-8183
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210008434
Date	Sep 24, 2021
Instrument	210008434

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	876 Months
Due	Sep 6, 2094

Interest

Rate Type	Adjustable Rate
Rate	1.91%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2021
Change Frequency	Monthly

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Feb 10, 2025
Property Address	9176 WHITESTONE CT, CULPEPER, VA 22701-8183
Document Number	0250000525
Instrument Date	Feb 7, 2025
Instrument	250000525
Transaction Type	Transfer
Record Updated	Nov 7, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	9176 WHITESTONE CT, CULPEPER, VA 22701-8183

Mortgage

Document Number	0250000526
Date	Feb 10, 2025
Instrument	250000526

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Mar 1, 2028
Change Frequency	5 Years
Margin	2

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	9176 WHITESTONE CT, CULPEPER, VA 22701-8183
Document Number	170002345
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9176 WHITESTONE CT CULPEPER VA 227018183, CULPEPER, VA 22701-8183

Mortgage

Document Number	170002345
Date	May 4, 2017
Instrument	2345

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	May 3, 2094

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	9176 WHITESTONE CT, CULPEPER, VA 22701-8183
Document Number	170002346
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9176 WHITESTONE CT CULPEPER VA 227018183, CULPEPER, VA 22701-8183

Mortgage

Document Number	170002346
Date	May 4, 2017
Instrument	2346

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	924 Months
Due	May 3, 2094

Tax Assessment & Valuation

Source: Culpeper County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Culpeper County
Unified School District	Culpeper County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,987.00	$462,100 (+19.04%) Land $123,600 Building $338,500	$462,100 (+19.04%) Land $123,600 Building $338,500
2023	$1,785.00	$388,200 Land $92,800 Building $295,400	$388,200 Land $92,800 Building $295,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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