40923 BROWNS LN, Waterford, VA 20197

• 5 beds |
• 4 baths |
• 3,490 sqft

Property Description

Exceptional 2017 modern farmhouse on a private 3-acre lot in historic Waterford with NO HOA! This rare property features a dedicated mini-farm/garden area, mature trees, a meandering creek, and a reinforced composite deck engineered for a future sunroom conversion. The elegant interior boasts 9-foot ceilings and hickory hardwood floors throughout the main level. The gourmet kitchen features maple cabinetry, granite countertops, a center island, and a brand-new stove, while the living room offers a custom wall prepped for a future double-sided gas fireplace. A spacious main-level bedroom and full bath with heated floors provide the perfect setup for guests or multi-generational living. The home features incredible space and recent upgrades, including a large bonus room above the garage and an expansive walk-out basement, both beautifully finished in 2025. The newly finished basement features durable LVP flooring, a massive recreation room, a separate den or gym, and a full bathroom. Built for ultimate resilience and peace of mind, the property includes a private well, conventional septic, two zones of HVAC (upper unit replaced 2023), two new water heaters, an oversized two-car garage with a workbench and hot/cold water, a Briggs & Stratton 22kw whole-house generator, and an owned 500-gallon underground propane tank. Note: Seller will entertain a VA loan assumption only for qualified Veteran buyers willing to execute a full Substitution of Entitlement. Buyer is responsible for covering the equity gap. Assumption processing times typically run 60–90 days. Contact the listing agent for details before submitting an offer.

Listing Status:

Active

Data Last Updated:

June 21, 2026 at 10:16PM

Listing Office:

Momentum Realty LLC : 7034359550

Listing Agent:

Jessica Johnson : 7038672101

MLS ID:

VALO2116260

Interior

• General: Ceiling Fan(s)Kitchen - GourmetKitchen - IslandRecessed LightingUpgraded CountertopsWalk-in Closet(s)Window TreatmentsWood FloorsCarpetCombination Dining/LivingEntry Level BedroomFloor Plan - Open
• Appliances: DishwasherDisposalExhaust FanRange HoodRefrigeratorWasherDryerWaterHeater
• Laundry: Main Floor
• Basement: Fully finishedInterior accessOutside entranceSump pump
• Flooring: CarpetTile brickSolid hardwood
• A/C: Central A/CDuctless/Mini-Split
• Heating: Heat Pump - Electric BackUpElectric
• Disability Feature: None

Exterior

• General: Satellite DishAbove GradeBelow Grade
• Style: Colonial
• Other Structures: DeckPatio

Construction

• General: Vinyl Siding3Concrete Perimeter

Location

• Originating MLS: BRIGHT_MAIN
• School District: LOUDOUN COUNTY PUBLIC SCHOOLS
• County: LOUDOUN-VA

Lot

• Zoning: AR1264189012000
• View: Garden/LawnMountainPanoramicTrees/Woods

Utilities

• Water: Well
• Sewer: On Site Septic

Financial

• Source: BRIGHT_MAIN