40149 Main Street
Waterford, VA 20197
- 5 beds
- 3 baths
- 2,808 sqft
- ~3/4 acre lot
- $462 per sqft
- 1780 build
The "Bank House" – Circa 1806 Located in the heart of historic Waterford, "The Bank House" is a stunning example of Federal architecture dating back to 1806. Carefully restored over the years, this home retains its original woodworking, hardware, and wide-plank floors while seamlessly incorporating modern comforts. Stepping into the grand foyer, you'll be welcomed by high ceilings and a beautifully crafted staircase. The modern eat-in kitchen, designed for both style and practicality, opens to a mudroom and back porch, creating a bright and airy living space. The large dining room, complete with a wood-burning fireplace, flows into the elegant paneled library with wood stove is the heart of the home. Upstairs, you'll find five spacious bedrooms and two full baths, offering ample room for family and guests. A full walk-up attic provides generous storage space. The beautifully landscaped lot backs to 144 acres of preserved open land with scenic walking trails and a tranquil creek. Enjoy outdoor living on the large side porch or dine al fresco on the stone patio. The property also includes the original spring house and a charming smokehouse, now serving as a garden shed. Located in western Loudoun, this historic treasure offers a peaceful retreat while remaining convenient to local wineries, breweries, and Leesburg. Dulles Airport is just 25 minutes away, and Washington, D.C., is only 30 miles from your doorstep. A rare opportunity to own a piece of history in the quaint village of Water
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Last updated Mar 26, 2025
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MLS# VALO2090774 —
Upcoming Open Houses
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Sunday, 3/30
12pm-2pm
The Building
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Year Built:1780
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Year Built Source:Assessor
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Roof:Metal
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New Construction:No
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Construction Materials:Brick, Stone
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Building Levels:4
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Structure Type:Detached
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Historic:Yes
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Architectural Style:Colonial
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Levels:3
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Accessibility Features:None
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Foundation Details:Stone
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Basement:Yes
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Basement Type:Heated, Improved, Interior Access, Outside Entrance
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Total SqFt Source:Assessor
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Total Below Grade SqFt Source:Assessor
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Above Grade Finished Area Units:Square Feet
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Above Grade Finished SqFt:2808
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Above Grade Finished SqFt Source:Assessor
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Below Grade Finished Area Units:Square Feet
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Below Grade Unfinished Area Units:Square Feet
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Below Grade Finished SqFt Source:Assessor
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Below Grade Unfinished SqFt Source:Assessor
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Tax Total Finished SqFt:2808
Interior
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Interior Features:Breakfast Area, Ceiling Fan(s), Kitchen - Country, Wood Floors
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Room List:Living Room, Dining Room, Kitchen, Laundry
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Flooring Type:Wood
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Fireplace:Yes
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Fireplaces:5
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Wall & Ceilings:High
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Living Area SqFt Source:Assessor
Room Dimensions
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Total SqFt:2808
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Living Area SqFt:2,808 Sqft
Financial & Terms
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Sale Type:Standard
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Acceptable Financing:Cash, Conventional
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Possession:0-30 Days CD
Location
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Directions:GPS
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Latitude:39.18915000
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Longitude:-77.61265000
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Location Type:Rural
The Property
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Property Type:Residential
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Property Condition:Excellent
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Lot Size Units:Square Feet
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Lot Size Acres:0.85
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Lot Size Source:Assessor
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Lot Features:Backs - Open Common Area, Rural
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Lot SqFt:37,026 Sqft
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Zoning:CR2
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Road Surface Type:Paved
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View:Pasture
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In City Limits:No
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Other Structures:Above Grade, Below Grade
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Waterview:No
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Fencing:Fully
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Waterfront:No
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Water Oriented:No
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Water Access:No
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Navigable Water:No
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Tidal Water:No
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Ground Rent Exists:No
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Riparian Rights:No
Listing Agent
- Contact info:
- Agent phone:
- (703) 624-6283
- Office phone:
- (703) 443-1757
Taxes
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Tax ID Number:303263559000
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Tax Year:2024
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Tax Annual Amount:$9,773
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Tax Assessed Value:$1,129,800
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Year Assessed:2024
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County Tax:9773.00
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Total Taxes Payment Frequency:Annually
Beds
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Bedrooms:5
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Upper Level Bedrooms:5
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Upper Level 1 Bedrooms:5
Baths
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Total Baths:3
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Full Baths:2
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Half Baths:1
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Upper Level Full Baths:2
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Upper Level Half Baths:1
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Upper Level Total Baths:3
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Upper Level Total Baths:3.00
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Upper Level Full Baths:2
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Upper Level Half Baths:1
Heating & Cooling
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Cooling Type:Central A/C
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Central Air:Yes
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Cooling Fuel:Electric
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Heating:Yes
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Heating Type:Hot Water
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Heating Fuel:Oil
Utilities
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Sewer/Septic:Public Sewer
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Hot Water:Electric
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Water Source:Well
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Internet Services:Cable
Schools
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Elementary School:Waterford
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Middle School:Harmony
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High School:WOODGROVE
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School District Name:Loudoun County Public Schools
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School District Source:Listing Agent
The Community
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Subdivision Name:Waterford
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Senior Community:No
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Exterior Features:Outbuilding(s)
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Pool:No Pool
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Association Recreation Fee:No
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HOA:No
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Condo/Coop Association:No
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Municipal Trash:No
Parking
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Garage:No
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Type of Parking:Driveway
Extra Units
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Vacation Rental:No
Monthly cost estimate

Asking price
$1,299,000
Expense | Monthly cost |
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Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$6,955
|
Taxes | $814 |
Insurance | $357 |
Utilities | $238 See report |
Total | $8,364/mo.* |
*This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Soundscore™
Provided by HowLoud
Soundscore is an overall score that accounts for traffic, airport activity, and local sources. A Soundscore rating is a number between 50 (very loud) and 100 (very quiet).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Max Internet Speed
Provided by BroadbandNow®
This is the maximum advertised internet speed available for this home. Under 10 Mbps is in the slower range, and anything above 30 Mbps is considered fast. For heavier internet users, some plans allow for more than 100 Mbps.
Sale history
Date | Event | Source | Price | % Change |
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3/14/25
Mar 14, 2025
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Listed / Active | BRIGHT | $1,299,000 |