13537 Hanging Rock Ln, Lovettsville, VA, 20180
About This Home
Welcome to 13537 Hanging Rock Lane, a rare income-producing opportunity nestled on 3.59 scenic acres along Hanging Rock Lane in Lovettsville, within the sought-after Short Hill Mountain area. This unique single-family property features TWO DISTINCT LIVING UNITS, making it an excellent investment property, owner-occupant opportunity, or multi-generational residence. Each unit offers its own private entrance, kitchen, and living space, providing flexibility rarely found in Loudoun County’s rural market. The property offers a total of 3 bedrooms, 2 full baths, and 2 half baths across 2,804 finished square feet: Main residence: 2 bedrooms and 1.5 baths & Attached income-producing unit: 1,036 sq. ft. with 1 bedroom and 1.5 baths. Whether you choose to live in one unit and rent the other, generate long-term rental income, host extended family, or explore future short-term rental possibilities (buyer to verify), this property delivers built-in versatility and revenue potential. Set on a peaceful 3.59-acre homesite with mountain views, open skies, and serene surroundings—yet just minutes from paved access—this property blends rural privacy with smart investment appeal in one of Loudoun County’s most picturesque settings. Opportunities like this—offering land, privacy, and two separate units—are rare. A compelling investment and a tranquil retreat, this Short Hill Mountain property is the perfect way to begin 2026.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Excellent
- Year built: 2024
Materials
- Foundation: Concrete Perimeter
- Construction materials: Other
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
- Laundry features: Laundry Room
Bathroom2
- Level: Lower
Bedroom2
- Level: Upper
Bedroom3
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
- Main level bathrooms: 2
Features
- 2nd Kitchen
- Finished area below ground: 0
- Finished area above ground: 2,814
Great Room
- Level: Main
Half Bath
- Level: Main
Heating & Cooling
- Heating features: Forced Air,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,814
- Total interior livable area: 2,814 sqft
Kitchen
- Level: Main
Laundry
- Level: Upper
Primary Bathroom
- Level: Upper
Primary Bedroom
- Level: Upper
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 478198985000
- Zoning: AR1
- Special condition: Standard
- Other equipment: See Remarks
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Has spa: Yes
- Spa features: Hot Tub
Lot
- Lot size: 3.59 Acres
- Features: Unknown Soil Type
Parking
- Total spaces: 2
- Parking features: Garage Faces Front,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
- Drought
- Lightning
- Strong Wind
- 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 | $6,320 | $75,840 |
| Home Insurance * | $250 | $3,000 |
| Property Taxes | $807 | $9,684 |
| Electricity | $271 | $3,252 |
| Total | $7,648 | $91,776 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-04 | Price change | $1,250,000 |
| 2026-01-08 | Listed for sale | $1,300,000 |
| 2021-08-02 | Sold | $275,000 |
| 2021-07-22 | Pending sale | $299,000 |
| 2021-06-30 | Price change | $299,000 |
| 2021-04-18 | Listed for sale | $350,000 |
| 2020-03-25 | Listing removed | $150,000 |
| 2020-03-23 | Listed for sale | $150,000 |
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