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13316 Downey Mill Rd, Lovettsville, VA, 20180

3beds
2baths
1,276sqft
$575,000
$451price/sqft
$3,609/moest. monthly cost
$144,360/yrincome needed

About This Home

Take advantage of this rare opportunity to own a charming historic home nestled along scenic Catoctin Creek. Originally built in 1820, this unique property beautifully blends timeless character with the comforts of modern living. Whether you are searching for a peaceful full-time residence or a relaxing weekend retreat, this countryside gem in the heart of Western Loudoun County offers the perfect escape. An inviting front porch welcomes you into the bright and open kitchen featuring a raised beamed ceiling, white cabinetry, classic subway tile backsplash, and durable butcher block countertops. A cozy pellet stove efficiently heats the entire main level, complementing the oil baseboard heat. Conveniently located just off the kitchen is a combination powder room and laundry area. Just a few steps up, the spacious great room offers the perfect setting for dining and entertaining, complete with a wall of custom built-in bookshelves and warm wood flooring. The home features three bedrooms and 1.5 baths, with beautiful hardwood floors throughout. Two comfortable secondary bedrooms with closets are located just off the great room, while the upper level hosts a generously sized primary suite with a separate den or sitting room and a full bath. Adding to the property’s appeal, the current owners have thoughtfully expanded the usable living space by adding electricity and air conditioning to several outbuildings. One was used as a work from home office while the other, only steps from the main home was used as a cozy family room and music studio, ideal for remote work, hobbies, or creative pursuits. The larger of the two offers a wood stove to keep it toasty warm in the cooler months. The present owners also creatively used an additional cellar level finished room as a second small work from home office. The possibilities are endless depending on your lifestyle! Significant updates include four mini-split AC units (2020), concrete septic tank replacement (2021), new roof and Hardie Plank siding (2015), and replacement windows (2014), offering peace of mind while preserving the home’s historic charm.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
8/10
Harmony Middle SchoolGrades 6-89.8 mi
9/10
Woodgrove High SchoolGrades PK-1210.4 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1820

Materials

  • Foundation: Other,Stone
  • Construction materials: Combination

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Washer,Refrigerator,Cooktop,Water Treat System,Electric Water Heater
  • Laundry features: Washer In Unit,Dryer In Unit

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Wood
  • Fireplace features: Wood Burning Stove
  • Finished area above ground: 1,276

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,276
  • Total interior livable area: 1,276 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 258287622000
  • Zoning: AR1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 2.26 Acres

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,907$34,884
Home Insurance *$115$1,380
Property Taxes $385$4,620
Electricity $202$2,433
Total$3,609$43,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,737/yr
40% on housing$108,270/yr
45% on housing$96,240/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$451This listing

vs Other Active Listings

Avg $/sqft

ZIP 20180$285
Loudoun County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 20180$253
Loudoun County$270

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-11Price change$565,000
2026-06-26Price change$575,000
2026-06-13Price change$589,999
2026-05-29Listed for sale$599,999
2021-10-04Sold$475,000
2017-10-12Sold$375,000
2017-09-14Pending sale$375,000
2017-08-18Price change$375,000
2017-07-09Listed for sale$399,900
2007-03-07Sold$287,000
2001-06-05Sold$150,000

For Sale by Agent

AgentNikola Tadie
BrokerageRedfin Corporation

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