172 Waterloo St, Warrenton, VA 20186 Property Records

Fauquier County property record for 172 Waterloo St, Warrenton, VA 20186

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,276 sqft · built 1929
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on File
Last Sale	$570,000 (Sep 2023)
Tax Bill	$5,287 (2026)
Deeds & Mortgages	Feb 2023 Second Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6984-24-3471`

Property Details

APN / Parcel Number

Primary APN	`6984-24-3471`
Alternative APNs	`733737000` `121543` `24279`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,276 sqft Finished Area
Gross Area	4,914 sqft
1st Floor Area	1,660 sqft
Basement Area	1,418 sqft
Unfinished Basement	1,418 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	11,021 sqft (0.253 acres)
Porch	Slab
Porch Area	752 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	121543
Street Address	172 WATERLOO ST
City	WARRENTON
State	VA
Zip	20186-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	NOT PROVIDED. PARCEL NUMBER 24279
Legal Subdivision	PRPTY/EVELYN K CARTER
Jurisdiction	FAUQUIER VA
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1005
Census Tract	930305

Owner

172 Waterloo St is owned and occupied by an individual who bought it in September 2023.

Source: Fauquier County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	172 WATERLOO ST, WARRENTON, VA 20186-3104
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF VETERANS AFFAIRS
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023 · Amount on File
Deed Sale	Sep 12, 2023 · Amount on File
Prior Sale	Jul 7, 2021 · Amount on File
Deed Document Number	20235509
Deed Book / Page	1755 / 1650
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAUQUIER VA
Property Address	172 WATERLOO ST, WARRENTON, VA 20186-3104
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017443
Date	Feb 15, 2023
Book Page	1744/3
Instrument	202300000869

Lender

Name	SECRETARY OF VETERANS AFFAIRS

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	462 Months
Due	Aug 1, 2061

Interest

Rate Type	Fixed Rate

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAUQUIER VA
Recording Date	Sep 12, 2023
Property Address	172 WATERLOO ST, WARRENTON, VA 20186-3104
Document Number	0017551650
Book / Page	1755 / 1650
Instrument Date	Sep 11, 2023
Instrument	202300005509
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	PSH TITLE LLC, PSR TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 WATERLOO ST, WARRENTON, VA 20186-3104

Mortgage

Document Number	202300005510
Date	Sep 12, 2023
Instrument	202300005510

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0017552213
Date	Sep 18, 2023
Book Page	1755/2213
Instrument	202300005598

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	455 Months
Due	Aug 1, 2061

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAUQUIER VA
Recording Date	Jul 7, 2021
Property Address	172 WATERLOO ST, WARRENTON, VA 20186-3104
Document Number	16921798
Book / Page	1692 / 1798
Instrument Date	Jul 1, 2021
Instrument	202100008895
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	CENTERVIEW TITLE GROUP, CENTERVIEW TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 WATERLOO ST, WARRENTON, VA 20186-3104

Mortgage

Document Number	202100008896
Date	Jul 7, 2021
Instrument	202100008896

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 172 Waterloo St was $5,287.

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	$5,287.00	$590,800 Land $175,000 Building $415,800	$590,800 Land $175,000 Building $415,800
2023		$475,800 Land $135,000 Building $340,800	$475,800 Land $135,000 Building $340,800
2022	$4,296.00
2019	$3,218.00

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

Flood

FEMA maps place 172 Waterloo St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 172 Waterloo 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.

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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