Fauquier County property record for 641 Waterloo Rd, Apt 322, Warrenton, VA 20186
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 691 sqft · built 1973 |
| Lot Size | 0.096 acres (4,182 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jun 2026) |
| Tax Bill | $1,239 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6974-85-9690-322 |
| Primary APN | 6974-85-9690-322 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Units | 24 Units |
| Stories | 1 Story |
| Building Area | 691 sqft Finished Area |
| Gross Area | 816 sqft |
| 1st Floor Area | 691 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,182 sqft (0.096 acres) |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 102149 |
|---|---|
| Street Address | 641 WATERLOO RD, 322 |
| City | WARRENTON |
| State | VA |
| Zip | 20186-3018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | WARRENTON GARDENS UNIT 322 PH 3 & COMM ELEM BLDG #641 |
| Legal Subdivision | WARRENTON GARDENS |
| Legal Phase | 3 |
| Legal Unit | 32 |
| Jurisdiction | FAUQUIER VA |
| Township / Civil Division | CENTER |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 930306 |
641 Waterloo Rd, Apt 322 is owned and occupied by an individual who bought it in June 2026.
Source: Fauquier County records, as of June 23, 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 | 641 WATERLOO RD, 322, WARRENTON, VA 20186-3018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed, Transfer · Conventional Mortgage DFT2 FINANCIAL LLC |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MTG |
| Jan 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on File |
| Deed Sale | Jun 12, 2026 · Amount on File |
| Prior Sale | Jan 3, 2019 · Amount on File |
| Deed Document Number | 20264561 |
| Deed Book / Page | 1819 / 1030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAUQUIER VA |
| Recording Date | Jun 12, 2026 |
| Property Address | 641 WATERLOO RD, 322, WARRENTON, VA 20186-3018 |
| Document Number | 0000004561 |
| Book / Page | 1819 / 1030 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20264561 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,190.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 641 WATERLOO RD, 322, WARRENTON, VA 20186-3018 |
| Document Number | 0000004562, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 20264562 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAUQUIER VA |
| Property Address | 641 WATERLOO RD APT 322, 322, WARRENTON, VA 20186-3018 |
| Document Number | 16461680 |
| Instrument Date | Aug 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 641 WATERLOO RD #322 WARRENTON VA 201863018, 322, WARRENTON, VA 20186-3018 |
| Document Number | 16461680 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 001646/001680 |
| Instrument | 10022 |
| Name | FIRST HERITAGE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAUQUIER VA |
| Recording Date | Jan 3, 2019 |
| Property Address | 641 WATERLOO RD APT 322, 322, WARRENTON, VA 20186-3018 |
| Document Number | 15881320 |
| Book / Page | 001588 / 001320 |
| Instrument Date | Jan 2, 2019 |
| Instrument | 73 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $93.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2760 MEANDER CREEK LN HAYMARKET VA 201691419, HAYMARKET, VA 20169-1419 |
| Document Number | 15881324 |
|---|---|
| Date | Jan 3, 2019 |
| Book Page | 001588/001324 |
| Instrument | 74 |
| Name | ATLANTIC COAST MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 641 Waterloo Rd, Apt 322 was $1,239, up 11.9% from the year before.
Source: Fauquier County assessment roll, as of June 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fauquier County |
| Municipality | Warrenton Town |
| Unified School District | Fauquier County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,239.00 (+11.92%) | $138,500 (+20.96%) Land $32,500 Building $106,000 | $138,500 (+20.96%) Land $32,500 Building $106,000 |
| 2025 | $1,107.00 | $114,500 Land $25,000 Building $89,500 | $114,500 Land $25,000 Building $89,500 |
| 2023 | $114,500 Land $25,000 Building $89,500 | $114,500 Land $25,000 Building $89,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 Waterloo Rd, Apt 322 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 32 units insured incl. 25 condo units |
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 risk around 641 Waterloo Rd, Apt 322 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 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 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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