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Single Family ResidenceResidential
$799,357$486 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $649,000 on Mar 7, 2022

40148 MAIN ST

WATERFORD, VA 20197
4
Beds
2
Baths
1,644 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1790
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$799K
$742K low$857K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$649,000 · Mar 7, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,912 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$734,470 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$285,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$448,670
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$679,060
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$734,470

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyLOUDOUN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1985
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 252 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Waterford Elementary SchoolA
Elementary · Grades PK–5 · 0.4 mi
M
Harmony Middle SchoolA-
Middle · Grades 6–8 · 5.3 mi
H
Woodgrove High SchoolA
High · Grades 9–12 · 6.6 mi

District: Loudoun County Public Schools

Neighborhood · ZIP 20197These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,364
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.174 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$202,181
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$238,233
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

40148 Main St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 94% of homes in Waterford 20197
  • Costs more per square foot than 98% of homes in Loudoun County
  • Smaller than 94% of homes in Waterford 20197
  • Has a smaller lot than 98% of homes in Waterford 20197
  • Among the oldest homes in Loudoun County

What homes are worth in Waterford 20197

Each bar is how many homes fall in that price range. The marker is this home.

This home
$651K$2.5M

This home is worth more than 6% of homes in Waterford 20197.

How it measures up in Waterford 20197

The dot is this home. The mark in the middle is the typical home in Waterford 20197.

Estimated value$799,357
CheaperTypical $1,361,834Pricier

Pricier than 6% of homes nearby

Price per ft²$486
CheaperTypical $316Pricier

Pricier than 89% of homes nearby

Living area1,644 ft²
SmallerTypical 4,439 ft²Bigger

Bigger than 6% of homes nearby

Lot size0.18 ac
SmallerTypical 3.3 acBigger

Bigger than 2% of homes nearby

Year built1790
OlderTypical 2002Newer

Newer than 3% of homes nearby

How 40148 Main St ranks against every home in each area.
MeasureThis homeWaterford 20197Loudoun County
Estimated valuepricier than$799,3576% of homes50% of homes
Price per ft²pricier than$48689% of homes98% of homes
Living areabigger than1,644 ft²6% of homes17% of homes
Lot sizebigger than0.18 ac2% of homes46% of homes
Year builtnewer than17903% of homesalmost no homes

About 40148 Main St

How much is 40148 Main St, Waterford, VA worth?

The TopHap Estimate for 40148 Main St, Waterford, VA is $799,357 as of Sep 24, 2026. The likely range is $742,194 to $856,520. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40148 Main St, Waterford, VA last sell?

40148 Main St, Waterford, VA last sold on Mar 7, 2022 for $649,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 40148 Main St, Waterford, VA?

40148 Main St, Waterford, VA has 4 bedrooms, 2 bathrooms, 1,644 square feet of living space and a 0.18-acre lot.

When was 40148 Main St, Waterford, VA built?

40148 Main St, Waterford, VA was built in 1790, making it 236 years old. It is a colonial home. The building has 2 stories.

What schools serve 40148 Main St, Waterford, VA?

40148 Main St, Waterford, VA is assigned to Waterford Elementary School (elementary), rated A; Harmony Middle School (middle), rated A-; Woodgrove High School (high), rated A. All sit in Loudoun County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40148 Main St, Waterford, VA compare to other homes in Waterford 20197?

Among the 920 homes in Waterford 20197, it is worth more than 6% of them ($799,357 against a typical $1,361,834), its price per square foot is higher than 89% of them ($486 against a typical $316), it is bigger than 6% of them (1,644 ft² against a typical 4,439 ft²), its lot is bigger than 2% of them (0.18 ac against a typical 3.3 ac) and it is newer than 3% of them (1790 against a typical 2002). Measured against all of Loudoun County, it is worth more than 50% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40148 Main St, Waterford, VA?

The 2026 property tax bill for 40148 Main St, Waterford, VA was $5,912. The county assessed it at $734,470.

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