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
Sold for $1,275,000
$1,275,000
40149 Main St, Waterford, VA 20197
5beds
2,808sqft
Single Family Residence
Built in 1780
0.85 Acres Lot
$1,306,400 Zestimate®
$454/sqft
$3,708 Estimated rent
Home value
$1,306,400
$1.24M - $1.37M
$3,708/mo
Zestimate® history
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List your homeWhat's special
Wood-burning fireplaceModern comfortsOriginal woodworkingOriginal spring houseScenic walking trailsStone patioHigh ceilings
Zillow last checked:
Listing updated:
Listed by:
Christy Hertel 703-624-6283,
Hunt Country Sotheby's International Realty
Bought with:
Kristin Johnson, 0225193471
Thomas and Talbot Estate Properties, Inc.
Source: Bright MLS,MLS#: VALO2090774
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining room
- Features: Flooring - Wood, Fireplace - Wood Burning
- Level: Main
Kitchen
- Features: Breakfast Bar, Dining Area, Flooring - Wood, Lighting - Pendants
- Level: Main
Laundry
- Level: Main
Living room
- Features: Built-in Features, Flooring - Wood, Wood Stove
- Level: Main
Heating
- Hot Water, Oil
Cooling
- Central Air, Electric
Appliances
- Included: Electric Water Heater
- Laundry: Laundry Room
Features
- Breakfast Area, Ceiling Fan(s), Kitchen - Country, High Ceilings
- Flooring: Wood
- Basement: Heated,Improved,Interior Entry,Exterior Entry
- Number of fireplaces: 5
Interior area
- Total structure area: 2,808
- Total interior livable area: 2,808 sqft
- Finished area above ground: 2,808
- Finished area below ground: 0
Property
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Fencing: Full
- Has view: Yes
- View description: Pasture
Lot
- Size: 0.85 Acres
- Features: Backs - Open Common Area, Rural
Details
- Additional structures: Above Grade, Below Grade, Outbuilding
- Parcel number: 303263559000
- Zoning: CR2
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subtype: Single Family Residence
Materials
- Brick, Stone
- Foundation: Stone
- Roof: Metal
Condition
- Excellent
- New construction: No
- Year built: 1780
Utilities & green energy
- Sewer: Public Sewer
- Water: Well
- Utilities for property: Cable
Community & neighborhood
Location
- Region: Waterford
- Subdivision: Waterford
Other
Other facts
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional
- Ownership: Fee Simple
- Road surface type: Paved
Price history
| Date | Event | Price |
|---|---|---|
| 4/29/2025 | Sold | $1,275,000-1.8%$454/sqft |
Source:  Bright MLS #VALO2090774 Report a problem | ||
| 4/11/2025 | Pending sale | $1,299,000$463/sqft |
Source: Bright MLS #VALO2090774 Report a problem | ||
| 4/1/2025 | Contingent | $1,299,000$463/sqft |
Source: Bright MLS #VALO2090774 Report a problem | ||
| 3/14/2025 | Listed for sale | $1,299,000+13%$463/sqft |
Source: Bright MLS #VALO2090774 Report a problem | ||
| 4/1/2022 | Sold | $1,150,000-6.1%$410/sqft |
Source: Bright MLS #VALO2019302 Report a problem | ||
| 2/25/2022 | Pending sale | $1,225,000$436/sqft |
Source: Bright MLS #VALO2019302 Report a problem | ||
| 2/19/2022 | Listed for sale | $1,225,000+44.1%$436/sqft |
Source: Bright MLS #VALO2019302 Report a problem | ||
| 3/2/2018 | Sold | $850,000-2.9%$303/sqft |
Source: Public Record Report a problem | ||
| 2/19/2018 | Pending sale | $875,000$312/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO10142655 Report a problem | ||
| 1/27/2018 | Listed for sale | $875,000$312/sqft |
Source: Berkshire Hathaway Homeservices Penfed Realty #1005251029 Report a problem | ||
| 11/27/2017 | Listing removed | $875,000$312/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 5/18/2017 | Price change | $875,000-2.8%$312/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 3/8/2017 | Price change | $899,900-5.3%$320/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 1/19/2017 | Price change | $949,900-3.6%$338/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 12/6/2016 | Price change | $985,000-1%$351/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 10/4/2016 | Price change | $995,000-9.1%$354/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 4/30/2016 | Price change | $1,095,000-4.7%$390/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 2/4/2016 | Price change | $1,149,000-4.3%$409/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO9951705 Report a problem | ||
| 9/1/2015 | Listed for sale | $1,200,000$427/sqft |
Source: Berkshire Hathaway HomeServices PenFed Realty #LO8735804 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $9,221 -5.7% | $1,145,410 +1.4% |
| 2024 | $9,773 +1.6% | $1,129,800 +2.7% |
| 2023 | $9,623 +7.9% | $1,099,740 +9.7% |
| 2022 | $8,922 +15.7% | $1,002,460 +27.4% |
| 2021 | $7,714 -8.1% | $787,130 -2.9% |
| 2020 | $8,390 | $810,620 +10.8% |
| 2019 | $8,390 +24.4% | $731,870 +17.8% |
| 2018 | $6,742 -4% | $621,410 -0.5% |
| 2017 | $7,026 +5% | $624,540 -5.3% |
| 2016 | $6,690 | $659,470 +75.4% |
| 2015 | $6,690 +0.7% | $376,050 +0.2% |
| 2014 | $6,646 | $375,420 |
Find assessor info on the county website
Neighborhood: 20197
Nearby schools
GreatSchools rating
- 9/10Waterford Elementary SchoolGrades: PK-5Distance: 0.4 mi
- 8/10Harmony Middle SchoolGrades: 6-8Distance: 5.2 mi
- 9/10Woodgrove High SchoolGrades: PK-12Distance: 6.6 mi
Schools provided by the listing agent
- Elementary: Waterford
- Middle: Harmony
- High: Woodgrove
- District: Loudoun County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$1,306,400
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$1,306,400
- Virginia
- Loudoun County
- Waterford
- 20197
- 40149 Main St
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