103 Walnut St, Middleburg, VA 20117 Property Records

Loudoun County property record for 103 Walnut St, Middleburg, VA 20117

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 4,123 sqft · built 1985
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$14,090 (2026)
Deeds & Mortgages	Mar 2026 Reverse Mortgage Jan 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`538-16-5497-000`

Property Details

APN / Parcel Number

Primary APN	`538-16-5497-000`
Alternative APN	`87A1 2 20`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,123 sqft Living Area
1st Floor Area	1,208 sqft
Basement Area	644 sqft
Finished Basement	644 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	17,424 sqft (0.4 acres)

Exterior Amenities

Pool Area	630 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	103 WALNUT ST
City	MIDDLEBURG
State	VA
Zip	20117-2638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB:R2
Legal Description	RIDGE VIEW SUBD LOT 20-A 200708010057190
Legal Subdivision	RIDGE VIEW SUBD
Legal Block	1
Legal Lot Number	20-A
Jurisdiction	LOUDOUN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1019
Census Tract	610900

Owner

103 Walnut St is owned and occupied by an individual who acquired it in August 2022.

Source: Loudoun County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	103 WALNUT ST, MIDDLEBURG, VA 20117-2638
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 31, 2026	Deed of Trust, Mortgage · Reverse Mortgage ATLANTIC COAST MORTGAGE
Jan 10, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN PACIFIC MORTGAGE CORPORATION
Aug 17, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 17, 2022
Transfer Doc	0000047344
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	103 WALNUT ST, MIDDLEBURG, VA 20117-2638
Transaction Type	Mortgage
Record Updated	Apr 20, 2026
Title Company	SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WALNUT ST, MIDDLEBURG, VA 20117-2638

Mortgage

Document Number	0000015877
Date	Mar 31, 2026
Instrument	20260331-0015877

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1014 Months
Due	Sep 8, 2110

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	103 WALNUT ST, MIDDLEBURG, VA 20117-2638
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000944
Date	Jan 10, 2023
Instrument	202301100000944

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.63%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Aug 17, 2022
Property Address	103 WALNUT ST, MIDDLEBURG, VA 20117-2638
Document Number	0000047344
Instrument Date	Aug 17, 2022
Instrument	202208170047344
Transaction Type	Transfer
Record Updated	Sep 7, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WALNUT ST, MIDDLEBURG, VA 20117-2638

Tax Assessment & Valuation

The 2026 property tax bill for 103 Walnut St was $14,090, up 15.2% from the year before.

Source: Loudoun County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Municipality	Middleburg Town
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,090.00 (+15.2%)	$1,750,360 (+15.2%) Land $410,500 Building $1,339,860	$1,750,360 (+15.2%) Land $410,500 Building $1,339,860
2025	$12,231.00	$1,519,420 Land $326,000 Building $1,193,420	$1,519,420 Land $326,000 Building $1,193,420
2023	$10,722.00	$1,225,460 Land $246,000 Building $979,460	$1,225,460 Land $246,000 Building $979,460

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

Flood

FEMA maps place 103 Walnut St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective June 15, 2026 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2015 · rainfall accumulation

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 103 Walnut St is low, with a 0.01% 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	0.01% 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	TOWN OF MIDDLEBURG serves 803 people · EPA ID VA6107450
Water Source	Groundwater
Last State Inspection	Sep 2021
Lead	5 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: High Mountain Farm Broadband.

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