15640 Second St, Waterford, VA 20197 Property Records

Loudoun County property record for 15640 Second St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,226 sqft · built 1810
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$749,000 (Apr 2020)
Tax Bill	$9,093 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304-46-2650-000`

Property Details

APN / Parcel Number

Primary APN	`304-46-2650-000`
Alternative APN	`28 A 1 H 11`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,226 sqft Living Area
1st Floor Area	648 sqft
Basement Area	648 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1810
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Detached
Garage Area	338 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	236 sqft
Patio Area	324 sqft
Shed	1 Shed
Shed Area	170 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15640 SECOND ST
City	WATERFORD
State	VA
Zip	20197-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR2
Legal Description	WATERFORD LOTS 47,48 1874--938
Legal Subdivision	WATERFORD
Legal Block	4
Legal Lot Number	47,48
Jurisdiction	LOUDOUN VA
Township / Civil Division	CATOCTIN
Census Block Group	4
Census Block	4006
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

15640 Second St is owned and occupied by an individual who bought it in April 2020.

Source: Loudoun County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	15640 SECOND ST, WATERFORD, VA 20197-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Warranty Deed, Transfer · Conventional Mortgage GEORGE MASON MTG
Aug 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Feb 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on File
Deed Sale	Apr 30, 2020 · Amount on File
Deed Document Number	202030942
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 30, 2020
Property Address	15640 SECOND ST, WATERFORD, VA 20197-2013
Document Number	20200430030942
Instrument Date	Apr 24, 2020
Instrument	30942
Transaction Type	Transfer
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$749.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15640 SECOND ST WATERFORD VA 201972013, WATERFORD, VA 20197-2013

Mortgage

Document Number	20200430030943
Date	Apr 30, 2020
Instrument	30943

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15640 SECOND ST, WATERFORD, VA 20197-2013
Document Number	20190910053512
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15640 SECOND ST WATERFORD VA 201972013, WATERFORD, VA 20197-2013

Mortgage

Document Number	20190910053512
Date	Sep 10, 2019
Instrument	53512

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 9, 2039

Interest

Rate Type	Fixed Rate
Rate	6.09%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15640 SECOND ST, WATERFORD, VA 20197-2013
Document Number	20180227011010
Instrument Date	Feb 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	20180227011010
Date	Feb 27, 2018
Instrument	11010

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 26, 2028

Interest

Rate Type	Fixed Rate
Rate	4.99%

Tax Assessment & Valuation

The 2026 property tax bill for 15640 Second St was $9,093.

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	$9,093.00	$1,129,600 Land $287,700 Building $841,900	$1,129,600 Land $287,700 Building $841,900
2023	$8,844.00	$1,010,840 Land $261,500 Building $749,340	$1,010,840 Land $261,500 Building $749,340

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15640 Second St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, 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

Wildfire risk around 15640 Second St is low, with a 0.01% annual chance of 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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