162 Waterloo St, Warrenton, VA 20186 Property Records

Fauquier County property record for 162 Waterloo St, Warrenton, VA 20186

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,744 sqft · built 1939
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on Record
Last Sale	$449,000 (Jul 2020)
Tax Bill	$4,654 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6984-24-4480`

Property Details

APN / Parcel Number

Primary APN	`6984-24-4480`
Alternative APNs	`121923` `24291`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,744 sqft Finished Area
Gross Area	2,128 sqft
1st Floor Area	1,680 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Metal
Lot Area	6,251 sqft (0.144 acres)
Terrain	Below Road/Slope
Porch	Slab
Porch Area	352 sqft
Storage Building	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	121923
Street Address	162 WATERLOO ST
City	WARRENTON
State	VA
Zip	20186-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	PARCEL A
Legal Lot Number	A
Jurisdiction	FAUQUIER VA
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1005
Census Tract	930305

Owner

Source: Fauquier County records, as of June 9, 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	162 WATERLOO ST, WARRENTON, VA 20186-3104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Jul 8, 2020	Warranty Deed, Transfer · Conventional with PMI APEX HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Prior Sale	Nov 10, 2015 · Amount on Record
Deed Document Number	20207198
Deed Book / Page	1638 / 659
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAUQUIER VA
Recording Date	Aug 10, 2026
Property Address	162 WATERLOO ST, WARRENTON, VA 20186-3104
Document Number	0000006265
Book / Page	1823 / 2314
Instrument Date	Aug 4, 2026
Instrument	20266265
Transaction Type	Mortgage
Record Updated	Aug 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WATERLOO ST, WARRENTON, VA 20186-3104

Mortgage

Document Number	0000006265,
Date	Aug 10, 2026
Book Page	1823/2314
Instrument	20266265

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 9, 2046

Interest

Rate Type	Fixed Rate
Rate	9%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAUQUIER VA
Recording Date	Jul 8, 2020
Property Address	162 WATERLOO ST, WARRENTON, VA 20186-3104
Document Number	1638659
Book / Page	001638 / 000659
Instrument Date	Jun 24, 2020
Instrument	7198
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$449.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WATERLOO ST WARRENTON VA 201863104, WARRENTON, VA 20186-3104

Mortgage

Document Number	1638662
Date	Jul 8, 2020
Book Page	001638/000662
Instrument	7199

Lender

Name	APEX HM LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fauquier County assessment roll, as of June 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fauquier County
Municipality	Warrenton Town
Unified School District	Fauquier County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,654.00 (+55.44%)	$520,100 (+25.93%) Land $175,000 Building $345,100	$520,100 (+25.93%) Land $175,000 Building $345,100
2023		$413,000 Land $135,000 Building $278,000	$413,000 Land $135,000 Building $278,000
2019	$2,994.00

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 April 25, 2024 · 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
Nearby Flood Policies	3 in force

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF WARRENTON serves 11,801 people · EPA ID VA6061600
Water Source	Surface water
Last State Inspection	May 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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