15527 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15527 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,128 sqft · built 1812
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,000 (Jan 2021)
Tax Bill	$7,682 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`303-16-5075-000`

Property Details

APN / Parcel Number

Primary APN	`303-16-5075-000`
Alternative APN	`28 A 1 A 30`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,128 sqft Living Area
1st Floor Area	728 sqft
Basement Area	1,178 sqft
Finished Basement	1,178 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1812
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	12,196 sqft (0.28 acres)
Porch	Open Porch
Porch Area	330 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15527 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, PARCEL A SAMUEL HOUGH HOUSE 1153--420,825--1310 POSE
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	15527 SECOND ST, WATERFORD, VA 20197-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF CHARLES TOWN
Jan 4, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BK
Oct 30, 2020	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TR CO
May 25, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Deed Document Number	2021541
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15527 SECOND ST, WATERFORD, VA 20197-2011
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15527 SECOND ST, WATERFORD, VA 20197-2011

Mortgage

Document Number	0000048943
Date	Oct 8, 2025
Instrument	20251008-0048943

Lender

Name	BANK OF CHARLES TOWN
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jan 4, 2021
Property Address	15527 SECOND ST, WATERFORD, VA 20197-2011
Document Number	20210104000541
Instrument Date	Dec 29, 2020
Instrument	541
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15527 SECOND ST WATERFORD VA 201972011, WATERFORD, VA 20197-2011

Mortgage

Document Number	20210104000542
Date	Jan 4, 2021
Instrument	542

Lender

Name	PNC BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15527 SECOND ST, WATERFORD, VA 20197-2011
Document Number	20201113110328
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15527 SECOND ST WATERFORD VA 201972011, WATERFORD, VA 20197-2011

Mortgage

Document Number	20201113110328
Date	Nov 13, 2020
Instrument	110328

Lender

Name	BRANCH BANKING & TR CO

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15527 SECOND ST, WATERFORD, VA 20197-2011
Document Number	20170622038121
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	15527 SECOND ST WATERFORD VA 201972011, WATERFORD, VA 20197-2011

Mortgage

Document Number	20170622038121
Date	Jun 22, 2017
Instrument	38121

Lender

Name	BRANCH BK&TR
Type	Bank
Address	RICHMOND, VA 23219-4079

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	$7,682.00 (+10.8%)	$954,360 (+20.44%) Land $286,400 Building $667,960	$954,360 (+20.44%) Land $286,400 Building $667,960
2023	$6,933.00	$792,410 Land $260,000 Building $532,410	$792,410 Land $260,000 Building $532,410

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 48 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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