9625 Roys Ln, Culpeper, VA 22701 Property Records

Culpeper County property record for 9625 Roys Ln, Culpeper, VA 22701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,244 sqft · built 1989
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,363 (2025)
Deeds & Mortgages	Nov 2024 Refinance Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-C-1-307`

Property Details

APN / Parcel Number

Primary APN	`29-C-1-307`
Alternative APN	`6499`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6499
Street Address	9625 ROYS LN
City	CULPEPER
State	VA
Zip	22701-4926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SCOTTIS MT NORMAN ACRES LOT 307 PLAT DB 637/451
Legal Subdivision	246
Legal Lot Number	307
Jurisdiction	CULPEPER VA
Township / Civil Division	CATALPA
Census Block Group	1
Census Block	1021
Census Tract	930202

Owner

9625 Roys Ln is owned and occupied by two individuals who acquired it in September 2025.

Source: Culpeper County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9625 ROYS LN, CULPEPER, VA 22701-4926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE INC
Sep 2, 2025	Gift Deed, Transfer · FHA Mortgage TEXANA BANK NA
Feb 4, 2020	Warranty Deed, Transfer EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025
Deed Sale	Sep 2, 2025
Prior Sale	Feb 4, 2020 · Amount on File
Deed Document Number	20254006
Prior Transfer Date	Aug 23, 2025
Prior Transfer Doc	0000004006
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULPEPER VA
Property Address	9625 ROYS LN, CULPEPER, VA 22701-4926
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240005141
Date	Nov 6, 2024
Instrument	240005141

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	6.26%

September 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CULPEPER VA
Recording Date	Sep 2, 2025
Property Address	9625 ROYS LN, CULPEPER, VA 22701-4926
Document Number	0250004006
Instrument Date	Aug 23, 2025
Instrument	250004006
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9625 ROYS LN, CULPEPER, VA 22701-4926

Mortgage

Document Number	0250004007
Date	Sep 2, 2025
Instrument	250004007

Lender

Name	TEXANA BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CULPEPER VA
Recording Date	Feb 4, 2020
Property Address	9625 ROYS LN, CULPEPER, VA 22701-4926
Document Number	200000754
Instrument Date	Feb 4, 2020
Instrument	754
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9625 ROYS LN CULPEPER VA 227014926, CULPEPER, VA 22701-4926

Mortgage

Document Number	200000755
Date	Feb 4, 2020
Instrument	755

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9625 Roys Ln was $1,363.

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	$1,363.00	$317,000 (+22.3%) Land $125,800 Building $191,200	$317,000 (+22.3%) Land $125,800 Building $191,200
2024	$1,363.00 (+14.35%)	$259,200 (-) Land $85,300 Building $173,900	$259,200 (-) Land $85,300 Building $173,900
2023	$1,192.00	$259,200 Land $85,300 Building $173,900	$259,200 Land $85,300 Building $173,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9625 Roys Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.

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 Claims	3 (1987–1996)
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims

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

Wildfire risk around 9625 Roys Ln is low, with a 0.02% annual chance of 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	Direct burnable vegetation

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	NORMAN ACRES SUBDIVISION private · serves 50 people · EPA ID VA6047355
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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