15523 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15523 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,994 sqft · built 1805
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (Apr 2022)
Tax Bill	$8,478 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`303-16-5281-000`

Property Details

APN / Parcel Number

Primary APN	`303-16-5281-000`
Alternative APN	`28 A 1 A 29`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,994 sqft Living Area
1st Floor Area	609 sqft
Basement Area	1,524 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1805
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	14,810 sqft (0.34 acres)

Exterior Amenities

Porch	Screened Porch
Porch Area	351 sqft
Deck Area	Deck Area
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15523 SECOND ST
City	WATERFORD
State	VA
Zip	20197-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR2
Legal Description	WATERFORD 1592--300
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 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 Individual Names on Record
Mailing Address	PO BOX 357, WATERFORD, VA 20197-0357
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORPORATION
Jan 14, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Jul 15, 1998 · Amount on Record
Deed Document Number	202219798
Prior Transfer Date	Jan 9, 2019
Prior Transfer Doc	0000001961
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 1, 2022
Property Address	15523 SECOND ST, WATERFORD, VA 20197-2011
Document Number	0000019798
Instrument Date	Mar 31, 2022
Instrument	202204010019798
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 TALL OAKS SQ SE, LEESBURG, VA 20175-8948

Mortgage

Document Number	0000019799
Date	Apr 1, 2022
Instrument	202204010019799

Lender

Name	FIRST SAVINGS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jan 14, 2019
Property Address	15523 SECOND ST, WATERFORD, VA 20197-2011
Document Number	20190114001961
Instrument Date	Jan 9, 2019
Instrument	1961
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15523 SECOND ST WATERFORD VA 201972011, WATERFORD, VA 20197-2011

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	$8,478.00 (+4.78%)	$1,053,170 (+13.89%) Land $286,700 Building $766,470	$1,053,170 (+13.89%) Land $286,700 Building $766,470
2023	$8,091.00	$924,730 Land $286,800 Building $637,930	$924,730 Land $286,800 Building $637,930

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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