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15620 Old Waterford Rd, Waterford, VA, 20197

4beds
5baths
3,732sqft
$950,000
$255price/sqft
$6,021/moest. monthly cost
$240,840/yrincome needed

About This Home

CURRENT CONTRACT HAS KICKOUT CLAUSE, PLEASE CONTINUE TO SHOW GREAT HOME Experience the rare opportunity to own a beautiful home in the heart of historic Waterford, one of Loudoun County's most treasured and picturesque villages. Surrounded by rolling countryside, preserved farmland, and centuries of history, this exceptional property offers the perfect blend of small-town charm, modern comfort, and peaceful country living just minutes from Leesburg and major commuter routes. Set on a stunning lot with mature trees and expansive green space, this classic brick-front colonial welcomes you with timeless curb appeal and a thoughtfully designed floor plan. The updated kitchen features white cabinetry, stainless steel appliances, generous counter space, and a large center island that serves as the heart of the home. The kitchen flows seamlessly into the breakfast area and spacious family room with fireplace, creating an ideal setting for both everyday living and entertaining. A highly sought-after main-level primary suite provides convenience and flexibility rarely found in traditional colonial homes. There is second primary suite with large walk-in closet on upper level as well. Every bedroom enjoys its own private en suite bath, offering exceptional comfort and privacy for family members and guests alike. Additional finished living spaces and dedicated home office areas provide room for remote work, hobbies, recreation, and multigenerational living. The finished lower level expands the home's versatility with recreation and flex spaces ready to adapt to your lifestyle. Outdoors, enjoy an expansive deck overlooking the private, park-like backyard where mature trees and open views create a tranquil retreat perfect for morning coffee, outdoor dining, and evening gatherings. Located within the National Historic Landmark village of Waterford, residents enjoy a unique sense of community, scenic beauty, walking access to historic sites, annual festivals, and the surrounding wineries, breweries, and outdoor recreation that make western Loudoun County one of Northern Virginia's most desirable destinations. Best of all, this property offers the freedom and flexibility of country living with no HOA, allowing you to fully enjoy your home and land without additional restrictions or monthly fees. This is more than a home—it's a lifestyle that combines history, character, privacy, and modern convenience in one of Loudoun County's most iconic settings.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
8/10
Harmony Middle SchoolGrades 6-85.4 mi
9/10
Woodgrove High SchoolGrades PK-127.0 mi

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Concrete Perimeter,Permanent
  • Construction materials: Masonry

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Area: 1660

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 864
  • Finished area above ground: 2,868

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,528
  • Total interior livable area: 3,732 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 303189620000
  • Zoning: AR1
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 3 Acres

Parking

  • Total spaces: 6
  • Parking features: Storage,Garage Faces Side,Garage Door Opener,Inside Entrance,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • 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 $4,803$57,636
Home Insurance *$222$2,664
Property Taxes $637$7,644
Electricity $359$4,313
Total$6,021$72,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,434/yr
40% on housing$180,630/yr
45% on housing$160,560/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

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 20197$307
Loudoun County$304

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
2026-08-13Contingent$950,000
2026-07-09Price change$950,000
2026-06-19Listed for sale$975,000
1998-05-14Sold$347,000
1998-02-24Sold$347,000

For Sale by Agent

AgentTanya Kerr
BrokeragePearson Smith Realty, LLC

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