15520 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15520 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,340 sqft · built 1918
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Company Names on Record
Last Sale	$1,045,000 (Jul 2026)
Tax Bill	$7,981 (2026)
Deeds & Mortgages	Jul 2026 Sale Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303-16-7973-000`

Property Details

APN / Parcel Number

Primary APN	`303-16-7973-000`
Alternative APN	`28 A 1 E 2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,340 sqft Living Area
1st Floor Area	812 sqft
Basement Area	784 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Detached
Garage Area	240 sqft
Porch	Open Porch
Porch Area	329 sqft
Patio Area	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Water Source	Well

Location & Zoning

Street Address	15520 SECOND ST
City	WATERFORD
State	VA
Zip	20197-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR2
Legal Description	WATERFORD 202607070034872 2386--344
Legal Subdivision	WATERFORD
Legal Block	4
Jurisdiction	LOUDOUN VA
Township / Civil Division	CATOCTIN
Census Block Group	4
Census Block	4003
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 September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4669 34TH ST N, ARLINGTON, VA 22207-4205
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Jan 8, 2003 · Amount on Record
Deed Document Number	202634872
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jul 7, 2026
Property Address	15520 SECOND ST, WATERFORD, VA 20197-2010
Document Number	0000034872
Instrument Date	Jul 2, 2026
Instrument	202634872
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$105,545.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4669 34TH ST N, ARLINGTON, VA 22207-4205

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15520 SECOND ST, WATERFORD, VA 20197-2010
Document Number	20201202117529
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15520 SECOND ST WATERFORD VA 201972010, WATERFORD, VA 20197-2010

Mortgage

Document Number	20201202117529
Date	Dec 2, 2020
Instrument	117529

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15520 SECOND ST, WATERFORD, VA 20197-2010
Document Number	20190625034249
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15520 SECOND ST WATERFORD VA 201972010, WATERFORD, VA 20197-2010

Mortgage

Document Number	20190625034249
Date	Jun 25, 2019
Instrument	34249

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2034

Interest

Rate Type	Fixed 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	$7,981.00 (+9.43%)	$991,500 (+9.43%) Land $287,100 Building $704,400	$991,500 (+9.43%) Land $287,100 Building $704,400
2025	$7,293.00 (+0.61%)	$906,040 (+9.36%) Land $287,100 Building $618,940	$906,040 (+9.36%) Land $287,100 Building $618,940
2023	$7,249.00	$828,500 Land $260,800 Building $567,700	$828,500 Land $260,800 Building $567,700

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
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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