15481 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15481 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,468 sqft · built 1880
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Nov 2019)
Tax Bill	$6,610 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`303-26-6725-000`

Property Details

APN / Parcel Number

Primary APN	`303-26-6725-000`
Alternative APN	`28 A 1 A 22`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,468 sqft Living Area
1st Floor Area	1,122 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	15481 SECOND ST
City	WATERFORD
State	VA
Zip	20197-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	WATERFORD TIN SHOP 901-1727 201106100035110, 201105110029235 POSE 841--1196POSE (SUPERCEDED)
Legal Subdivision	WATERFORD
Legal Block	4
Jurisdiction	LOUDOUN VA
Township / Civil Division	CATOCTIN
Census Block Group	4
Census Block	4005
Census Tract	610300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterford Historic District listed 1969 · National Historic Landmark (designated 1970) · NRIS 69000256

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Loudoun County records, as of October 19, 2026

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 Record
Mailing Address	15481 SECOND ST, WATERFORD, VA 20197-2008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Warranty Deed, Transfer · Conventional with PMI ATLANTIC COAST MTG
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit ACCESS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Jun 10, 2011 · Amount on Record
Deed Document Number	201973004
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Nov 22, 2019
Property Address	15481 SECOND ST, WATERFORD, VA 20197-2008
Document Number	20191122073004
Instrument Date	Nov 22, 2019
Instrument	73004
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15481 SECOND ST WATERFORD VA 201972008, WATERFORD, VA 20197-2008

Mortgage

Document Number	20191122073005
Date	Nov 22, 2019
Instrument	73005

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15481 SECOND ST, WATERFORD, VA 20197-2008
Document Number	20190423019874
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15481 SECOND ST WATERFORD VA 201972008, WATERFORD, VA 20197-2008

Mortgage

Document Number	20190423019874
Date	Apr 23, 2019
Instrument	19874

Lender

Name	ACCESS NAT'L BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,610.00 (+7.27%)	$821,130 (+16.6%) Land $396,100 Building $425,030	$821,130 (+16.6%) Land $396,100 Building $425,030
2023	$6,162.00	$704,230 Land $357,600 Building $346,630	$704,230 Land $357,600 Building $346,630

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 June 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2021 · other causes

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 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

May also be available: T-Mobile.

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