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13240 Windmill Way, Culpeper, VA, 22701

7beds
5baths
4,836sqft
$775,000
$160price/sqft
$4,880/moest. monthly cost
$195,200/yrincome needed

About This Home

Estimated at over 4,800 square feet, this exceptional 7-bedroom, 3 full bath, 2 half bath home on nearly 3 private acres offers the space and versatility that’s increasingly hard to find. Designed to accommodate a variety of lifestyles, the home features a fully permitted main-level in-law suite that offers exceptional flexibility for multi-generational living, extended family, long-term guests, or potential rental opportunities. An additional four-room living area and a finished walk-out basement with a spacious bedroom, half bath, built-in bookshelves, and private outdoor access provide even more options to fit your needs. The outdoor spaces are just as inviting, featuring a welcoming front porch, freshly stained deck, and charming gazebo—perfect for relaxing, entertaining, or simply enjoying the peaceful surroundings. Two storage sheds, including one with loft space, offer excellent storage for equipment, tools, or hobbies, while the paved driveway provides ample parking. Recent improvements include a new roof and gutters, adding peace of mind for the next owner. Located just minutes from the Town of Culpeper, this property combines the tranquility of country living with the convenience of nearby shopping, dining, schools, and commuter routes. With no HOA, you’ll enjoy the freedom to truly make this property your own. Whether you’re looking for room to grow, space for extended family, or simply a home with exceptional flexibility, this one-of-a-kind property is ready to welcome its next owner. **Photos may be virtually staged**

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
4/10
Culpeper Middle SchoolGrades 6-83.5 mi
4/10

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Dryer,Washer,Dishwasher,Refrigerator,Ice Maker,Cooktop,Water Treat System,Electric Water Heater

Basement

  • Area: 1127

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 3
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),9'+ Ceilings
  • Window features: Window Treatments
  • Flooring: Carpet
  • Finished area below ground: 1,127
  • Finished area above ground: 3,709

Heating & Cooling

  • Heating features: Heat Pump,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,836
  • Total interior livable area: 4,836 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 31I 1 64
  • Zoning: A1
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch,Deck

Lot

  • Lot size: 2.93 Acres
  • Features: Backs to Trees

Parking

  • Total spaces: 6
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Heat Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,918$47,016
Home Insurance *$223$2,676
Property Taxes $274$3,288
Electricity $465$5,589
Total$4,880$58,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,314/yr
40% on housing$146,400/yr
45% on housing$130,133/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 22701$225
Culpeper County$322

vs Homes Sold Last Month

Median $/sqft

ZIP 22701$198
Culpeper County$221

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-29Listed for sale$775,000
2026-07-01Listing removed$895,000
2026-06-10Listed for sale$895,000
2013-11-25Sold$335,500
2013-10-08Price change$349,000
2013-07-31Price change$359,000
2013-06-28Price change$369,000
2013-06-18Price change$390,000
2013-05-23Price change$399,999
2013-05-01Listed for sale$414,141
1998-09-18Sold$204,863

For Sale by Agent

AgentSarah Reynolds
BrokerageKeller Williams Realty

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