15547 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15547 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,398 sqft · built 1821
Lot Size	3.95 acres (172,062 sqft)
Owner	2 Company Names on Record
Last Sale	$1,725,000 (Jun 2026)
Tax Bill	$11,181 (2026)
Deeds & Mortgages	Jun 2026 Sale Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303-16-4456-000`

Property Details

APN / Parcel Number

Primary APN	`303-16-4456-000`
Alternative APN	`28 A 1 A 34`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,398 sqft Living Area
1st Floor Area	1,325 sqft
Basement Area	1,885 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1821
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	172,062 sqft
Garage Type	Detached
Garage Area	440 sqft
Porch	Enclosed Porch
Porch Area	162 sqft
Patio Area	375 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15547 SECOND ST
City	WATERFORD
State	VA
Zip	20197-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR1
Legal Description	WATERFORD PARKER-BENNETT HOUSE 1405--1173,654--802 POSE 1123--291 POSE 1123--282 BLA
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 22, 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	31486 LA PASITA, SAN JUAN CAPISTRANO, CA 92675-5522
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLSFARGOBANKNA
Jun 16, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Jun 16, 2020 · Amount on Record
Deed Document Number	202630130
Prior Transfer Date	Jul 1, 2025
Prior Transfer Doc	0000032244
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jun 11, 2026
Property Address	15547 SECOND ST, WATERFORD, VA 20197-2011
Document Number	0000030130
Instrument Date	Jun 10, 2026
Instrument	202630130
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$174,225.00
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	Life Tenant
Address	31486 LA PASITA, SAN JUAN CAPISTRANO, CA 92675-5522

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Recording Date	Apr 1, 2026
Property Address	15547 SECOND ST, WATERFORD, VA 20197-2011
Document Number	0000016007
Instrument Date	Mar 25, 2026
Instrument	202616007
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	15547 SECOND ST, WATERFORD, VA 20197-2011

Mortgage

Document Number	0000016007,
Date	Apr 1, 2026
Instrument	202616007

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jun 16, 2020
Property Address	15547 SECOND ST, WATERFORD, VA 20197-2011
Document Number	20200616045471
Instrument Date	Jun 11, 2020
Instrument	45471
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15547 SECOND ST WATERFORD VA 201972011, WATERFORD, VA 20197-2011

Mortgage

Document Number	20200616045472
Date	Jun 16, 2020
Instrument	45472

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

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	$11,181.00 (+10.02%)	$1,389,060 (+10.02%) Land $355,500 Building $1,033,560	$1,389,060 (+10.02%) Land $355,500 Building $1,033,560
2025	$10,163.00 (-2.13%)	$1,262,500 (+6.38%) Land $354,800 Building $907,700	$1,262,500 (+6.38%) Land $354,800 Building $907,700
2023	$10,384.00	$1,186,800 Land $350,600 Building $836,200	$1,186,800 Land $350,600 Building $836,200

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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