15552 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15552 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,696 sqft · built 1886
Lot Size	0.48 acres (20,908 sqft)
Owner	Individual Name on Record
Last Sale	$231,350 (Nov 2021)
Tax Bill	$5,909 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`303-16-6040-000`

Property Details

APN / Parcel Number

Primary APN	`303-16-6040-000`
Alternative APN	`28 A 1 F 4`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,696 sqft Living Area
1st Floor Area	336 sqft
Basement Area	330 sqft
Finished Basement	330 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1980
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	20,908 sqft (0.48 acres)
Garage Type	Detached
Garage Area	460 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	258 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Electric
Water Source	Well

Location & Zoning

Street Address	15552 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 1246--206 522-187
Legal Subdivision	WATERFORD
Legal Block	4
Jurisdiction	LOUDOUN VA
Township / Civil Division	CATOCTIN
Census Block Group	4
Census Block	4007
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	Individual Name on Record
Mailing Address	15552 SECOND ST, WATERFORD, VA 20197-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 3, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Oct 29, 2021	Intrafamily Transfer, Transfer
Jun 3, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2021 · Amount on Record
Deed Sale	Nov 4, 2021 · Amount on Record
Prior Sale	Aug 27, 2002 · Amount on Record
Deed Document Number	20212020
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	0000024837
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15552 SECOND ST, WATERFORD, VA 20197-2010
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15552 SECOND ST, WATERFORD, VA 20197-2010

Mortgage

Document Number	0000056394
Date	Nov 18, 2025
Instrument	20251118-0056394

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15552 SECOND ST, WATERFORD, VA 20197-2010
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044317
Date	Nov 3, 2023
Instrument	202311030044317

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Oct 1, 2063

Interest

Rate Type	Adjustable Rate
Rate	8.75%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Oct 29, 2021
Property Address	15552 SECOND ST, WATERFORD, VA 20197-2010
Document Number	202110290110630
Instrument Date	Oct 22, 2021
Instrument	202110290110630
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15552 SECOND ST, WATERFORD, VA 20197-2010

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Jun 3, 2021
Property Address	15552 SECOND ST, WATERFORD, VA 20197-2010
Document Number	202106030063017
Instrument Date	May 6, 2021
Instrument	202106030063017
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15552 SECOND ST, WATERFORD, VA 20197-2010

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	$5,909.00 (+7.77%)	$734,070 (+7.77%) Land $287,400 Building $446,670	$734,070 (+7.77%) Land $287,400 Building $446,670
2025	$5,483.00 (+1.54%)	$681,130 (+10.35%) Land $287,400 Building $393,730	$681,130 (+10.35%) Land $287,400 Building $393,730
2023	$5,400.00	$617,250 Land $261,100 Building $356,150	$617,250 Land $261,100 Building $356,150

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 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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