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15018 Clover Hill Rd, Waterford, VA, 20197

3beds
4baths
3,975sqft
$1,475,000
$371price/sqft
$9,109/moest. monthly cost
$364,360/yrincome needed

About This Home

Buyers circumstances changed so you are in luck-Outside the historic village of Waterford Va. set on 10 private acres of rolling pasture and mature woodland, this exceptional residence offers a refined blend of timeless craftsmanship and elevated country living. A resort-inspired pool with a striking dark-bottom finish—enhanced by extensive upgrades completed in 2025—is thoughtfully integrated into the natural landscape, while dual Trex decks overlook lush grounds, creating a seamless indoor-outdoor lifestyle ideal for sophisticated entertaining. Inside, rich American cherry floors, soaring ceilings, and artisan-crafted millwork define the home’s elegant character, enhanced by fresh paint throughout and all new windows and exterior doors. The sun-filled eat-in kitchen, appointed with new appliances, opens effortlessly to the deck, while the sunken family room—anchored by a dramatic stone fireplace and custom built-ins—features a wall of glass framing sweeping pastoral views. A gracious living room with fireplace and built-ins, along with a private study opening to its own deck, provide both intimate and formal living spaces. The upper level offers three luxurious ensuite bedrooms with walk-in closets, complemented by an expansive skylit bonus room. A walk-out lower level with laundry and abundant storage opens directly to the pool and gardens. Additional amenities include a run-in shed with electricity, a detached workshop with loft, an attached two-car garage, and a well-maintained HVAC system (approximately 7 years old)—completing this rare offering where privacy, beauty, and thoughtful design converge.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
7/10
Harmony Middle SchoolGrades 6-86.2 mi
8/10
Woodgrove High SchoolGrades PK-127.3 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2002

Materials

  • Foundation: Other
  • Roof: Shingle
  • Construction materials: HardiPlank Type

Notable Dates

  • Major remodel year: 2025

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Ice Maker,Oven,Refrigerator,Washer,Microwave,Electric Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Heated,Exterior Entry,Rough Bath Plumb,Concrete,Unfinished,Sump Pump,Connecting Stairway

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - HardWood
  • Level: Main

Family Room

  • Features: Flooring - HardWood,Fireplace - Wood Burning
  • Level: Main

Features

  • Kitchen - Table Space,Dining Area,Breakfast Area,Built-in Features,Primary Bath(s),Chair Railings,Crown Molding,Family Room Off Kitchen,Floor Plan - Traditional,Eat-in Kitchen,Recessed Lighting,Studio,9'+ Ceilings,Paneled Walls
  • Flooring: Hardwood,Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,975

Foyer

  • Features: Flooring - HardWood
  • Level: Main

Heating & Cooling

  • Heating features: Heat Pump,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,975
  • Total interior livable area: 3,975 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Main

Library

  • Features: Flooring - HardWood,Fireplace - Gas
  • Level: Main

Living Room

  • Features: Flooring - HardWood
  • Level: Main

Primary Bedroom

  • Level: Upper

Study

  • Level: Unspecified

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 302475144000
  • Zoning: AR1
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Private pool: Yes
  • Pool features: Private
  • Fencing: Partial,Split Rail
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 10 Acres
  • Features: Backs to Trees,Front Yard,Not In Development,Wooded,Private,Rural

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Drought
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado

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 $7,458$89,496
Home Insurance *$344$4,128
Property Taxes $925$11,100
Electricity $382$4,594
Total$9,109$109,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$312,308/yr
40% on housing$273,270/yr
45% on housing$242,906/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

$371This listing

vs Other Active Listings

Avg $/sqft

ZIP 20197$296
Loudoun County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 20197$249
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)

Price History

DateEventPrice
2026-04-30Listed for sale$1,549,000
2026-04-24Contingent$1,549,000
2026-04-23Listed for sale$1,549,000
2012-07-12Sold$657,000
2012-04-16Listed for sale$657,000

For Sale by Agent

AgentChristy Hertel
BrokerageHunt Country Sotheby's International Realty

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