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13316 Downey Mill Rd , Lovettsville, VA 20180
$540,000
Est. Payment: $2,828.99/mo
3 Bed
2 Bath
1276 Sqft
2.26 Acres
Status: active under contract | Days on site: 33
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House Description

Take advantage of this rare opportunity to own a charming historic home nestled along scenic Catoctin Creek. Originally built in 1820, this unique property beautifully blends timeless character with modern comforts. Whether you are searching for a peaceful full-time residence or a relaxing weekend retreat, this countryside gem in the heart of Western Loudoun County offers the perfect escape. An inviting front porch welcomes you into the bright, open kitchen featuring a raised beamed ceiling, white cabinetry, classic subway tile backsplash, and durable butcher block countertops. A cozy pellet stove efficiently heats the entire main level, complementing the oil baseboard heat. Conveniently located just off the kitchen is a combination powder room and laundry area. Just a few steps up, the spacious great room offers the perfect setting for dining and entertaining, complete with a wall of custom built-in bookshelves and warm wood flooring. The home features three bedrooms and 1.5 baths, with beautiful hardwood floors throughout. Two comfortable secondary bedrooms with closets are located just off the great room, while the upper level hosts a generously sized primary suite with a separate den or sitting room and a full bath. Adding to the property’s appeal, the current owners thoughtfully expanded the usable living space by adding electricity and air conditioning to several outbuildings. One was used as a work from home office while the other, only steps from the main home was used as a cozy family room and music studio, ideal for remote work, hobbies, or creative pursuits. The larger of the two offers a wood stove to keep it toasty warm in the cooler months. The present owners also creatively used an additional cellar level finished room as a second small work from home office. The possibilities are endless depending on your lifestyle! Significant updates include four mini-split AC units (2020), concrete septic tank replacement (2021), new roof and Hardie Plank siding (2015), and replacement windows (2014), Dishwasher (2026), Washer and dryer (2026), refrigerator (2026) offering peace of mind while preserving the home’s historic charm. Well casement replaced, new well pump and pressure tank (2008). Cinderblock added to cellar early 2000. Listed 62k under assessed value! Enjoy walks on the quiet country roads, including to beautiful Creeks Edge Winery, only a 10 minute walk! Convieniently located 10 minutes to the town of Lovettsville, a charming 1732 German settlement boasting recently built community center offering a gym, tennis courts and outdoor pool, plus a Lovettsville Community Park, restaurants and a local farmers Co-op Market.

Highlights

Listed by Nikola C Tadie , 7035797612 Redfin Corporation , 7036656665. Bright MLS

Property Type

Residential

Lot/Acreage
2.26

Year Built

1820

County

Loudoun

Neighborhood

None Available

School District

Loudoun County Public Schools

Listing ID

VALO2136374

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Washer, Refrigerator, Stove
Air Cond:Central A/C,Ceiling Fan(s)
Fireplaces:
Floor:Wood
Above Ground Sq Ft:1276
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Ceiling Fan(s), Water Treat System, Stove - Wood
Water:Private,Well

Exterior Features

Lot:Not New Construction,Horse Property: No
Zoning:AR1
Others:
  • ▪ Additional:Very Good
Sewer:Septic Exists
Parking Features:Driveway
Principal Interest
$2,829
Taxes
$385

Home Price

$540,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$108,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,828.99

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,828.99 $384.83 $0.00 $3,213.82
Yearly $33,947.88 $4,618.00 $0.00 $38,565.88
Total $1,018,436.35 $138,540.00 $0.00 $1,156,976.35
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Lovettsville, VA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T15:13:57.000Z

© 2026 Bright MLS