




13316 Downey Mill Rd, Lovettsville, VA, 20180
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
Schools
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
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,907 | $34,884 |
| Home Insurance * | $115 | $1,380 |
| Property Taxes | $385 | $4,620 |
| Electricity | $202 | $2,433 |
| Total | $3,609 | $43,308 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $565,000 |
| 2026-06-26 | Price change | $575,000 |
| 2026-06-13 | Price change | $589,999 |
| 2026-05-29 | Listed for sale | $599,999 |
| 2021-10-04 | Sold | $475,000 |
| 2017-10-12 | Sold | $375,000 |
| 2017-09-14 | Pending sale | $375,000 |
| 2017-08-18 | Price change | $375,000 |
| 2017-07-09 | Listed for sale | $399,900 |
| 2007-03-07 | Sold | $287,000 |
| 2001-06-05 | Sold | $150,000 |
