40189 Patrick St, Waterford, VA 20197 Property Records

Loudoun County property record for 40189 Patrick St, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,341 sqft · built 1890
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$423,000 (Apr 2002)
Tax Bill	$7,298 (2026)
Deeds & Mortgages	Nov 2021 Refinance Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`303-16-7352-000`

Property Details

APN / Parcel Number

Primary APN	`303-16-7352-000`
Alternative APN	`28 A 1 F 2`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	3,341 sqft Living Area
1st Floor Area	527 sqft
Basement Area	803 sqft
Finished Basement	803 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Patio Area	505 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40189 PATRICK ST
City	WATERFORD
State	VA
Zip	20197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR2
Legal Description	WATERFORD 2157--987 568-389
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	2 Individual Names on Record
Mailing Address	40189 PATRICK ST, WATERFORD, VA 20197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF CHARLES TOWN
Mar 4, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF CHARLES TOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2002 · Amount on Record
Deed Sale	Apr 19, 2002 · Amount on Record
Deed Book / Page	2157 / 987
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	40189 PATRICK ST, WATERFORD, VA 20197
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	RATIFIED TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115553
Date	Nov 17, 2021
Instrument	202111170115553

Lender

Name	BANK OF CHARLES TOWN

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	40189 PATRICK ST, WATERFORD, VA 20197
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013348
Date	Mar 4, 2022
Instrument	202203040013348

Lender

Name	BANK OF CHARLES TOWN

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$7,298.00 (+7.66%)	$906,630 (+17.02%) Land $287,500 Building $619,130	$906,630 (+17.02%) Land $287,500 Building $619,130
2023	$6,779.00	$774,790 Land $261,300 Building $513,490	$774,790 Land $261,300 Building $513,490

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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