$1,600,000
SOLD APR 10, 2026

41199 Cotter Ct Waterford, VA 20197

5 Beds
4.5 Baths
7,665 Sq Ft
3.3 Acres Lot

Sale Details

Date Sold: April 10, 2026

$209 Per Sq Ft

2% Below List Price

12 on Market

Highlights

  • Media Room
  • Scenic Views
  • Colonial Architecture
  • Waterford Elementary School Rated A-
  • 3.3 Acre Lot
  • Conservatory Room

About This Home

As of April 2026

Exquisite Estate Living on 3+ Private Acres in Waterford Ridge. Welcome to an exceptional luxury residence nestled on a peaceful cul-de-sac in the highly desirable Waterford offering over 7,600 square feet of beautifully appointed living space across three finished levels. Situated on approximately 3.3 private acres, this elegant brick estate seamlessly blends timeless architectural design with extensive high-end upgrades, thoughtful custom expansions, and resort-style outdoor living.
The heart of the home is the spectacular chef’s kitchen featuring premium GE Appliances Monogram appliances, upgraded granite countertops, an oversized center island in the Palladian kitchen addition, wine cooler, and a second pantry — all opening to the dramatic two-story family room expanded by six feet with open beamed ceiling, curved balcony with iron balusters, shadow box molding, and a stunning wood-burning fireplace with upgraded mantel and surround. Elegant formal living and dining rooms showcase tray ceilings, bay windows, chair rail shadow box molding, and designer smoked bronze mirror accents, while the private study offers a full wall of custom built-in cabinetry. A bright conservatory with additional built-ins provides flexible living or entertaining space. Upstairs, the luxurious primary suite features a coffered ceiling, spa-inspired bath with ceramic wrapped columns, floor-to-ceiling mirrors, clean glass shower, soaking tub with coffered ceiling detail, and generous walk-in closet. Secondary bedrooms are spacious and well appointed, while the upgraded laundry room includes extensive shelving and mesh drawer organization. The fully finished walk-out lower level is designed for entertaining and relaxation with a raised stone wood-burning fireplace, full stone accent wall, built-in cabinetry, window seating, custom bar, and guest accommodations. Outdoor living is equally impressive with a custom deck, expansive rear patio, front patio, professional hardscaping, landscape lighting, and beautifully maintained grounds. The home also features premium ProVia front entry doors, a whole-house Generac Power Systems generator, three HVAC systems (replaced 2021), upgraded flooring throughout, and a 3-car side-load garage. This extraordinary property offers privacy, sophistication, and convenience — a rare opportunity to enjoy refined estate living in one of Loudoun County’s most picturesque settings.

Last Agent to Sell the Property

Irene deLeon

(703) 665-6665 irene.deleon@redfin.com Redfin Corporation Brokerage Phone: 7036656665 License #0225065795 Listed on: 02/26/2026

Redfin Corporation

Last Buyer's Agent

Kristina Bianchetta

(571) 386-1075 kristina@pearsonsmithrealty.com Pearson Smith Realty, LLC License #0225215122

Pearson Smith Realty, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $11,196

Year Built

  • Built in 2010

Lot Details

  • 3.3 Acre Lot
  • Property is in excellent condition
  • Property is zoned AR1

HOA Fees

  • $75 Monthly HOA Fees

Parking

  • 3 Car Direct Access Garage
  • 3 Driveway Spaces
  • Garage Door Opener

Property Views

  • Scenic Vista
  • Woods
  • Garden

Home Design

  • Colonial Architecture
  • Brick Exterior Construction
  • Slab Foundation

Interior Spaces

  • Property has 3 Levels
  • Traditional Floor Plan
  • Wet Bar
  • 2 Fireplaces
  • Family Room Off Kitchen
  • Living Room
  • Formal Dining Room
  • Media Room
  • Home Office
  • Bonus Room
  • Game Room
  • Conservatory Room
  • Attic Fan

Kitchen

  • Breakfast Room
  • Eat-In Kitchen
  • Stove
  • Built-In Microwave
  • Dishwasher
  • Kitchen Island
  • Upgraded Countertops
  • Disposal

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • Walk-In Closet
  • Soaking Tub
  • Walk-in Shower

Laundry

  • Laundry Room
  • Dryer
  • Washer

Finished Basement

  • Heated Basement
  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Interior and Exterior Basement Entry
  • Basement Windows

Outdoor Features

  • Shed

Schools

  • Waterford Elementary School
  • Harmony Middle School
  • Woodgrove High School

Utilities

  • Forced Air Zoned Heating and Cooling System
  • Heating System Uses Natural Gas
  • Heat Pump System
  • Well
  • Electric Water Heater
  • On Site Septic

Community Details

  • Waterford Ridge Homeowners Association
  • Waterford Subdivision, Melrose Floorplan

Listing and Financial Details

  • Tax Lot 99
  • Assessor Parcel Number 263209084000

Home Details

Home Type

Single Family

Est. Annual Taxes

$11,196

Year Built

Built in 2010

Lot Details

3.3 Acres

HOA Fees

$75 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial
  • Ownership: Fee Simple
  • Historic: No
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 2/26/2026 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 2010
  • Automatically Close On Close Date: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Dryer, Washer, Dishwasher, Disposal, Refrigerator, Stove
  • Flooring Type: Carpet, Ceramic Tile, Hardwood
  • Interior Amenities: Attic/House Fan, Bathroom - Soaking Tub, Bathroom - Stall Shower, Breakfast Area, Dining Area, Family Room Off Kitchen, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Island, Kitchen - Table Space, Pantry, Upgraded Countertops, Walk-In Closet(s), Wet/Dry Bar, Wood Floors
  • Fireplaces Count: 2
  • Fireplace: Yes
  • Foundation Details: Slab
  • Levels Count: 3
  • Room List: Living Room, Dining Room, Kitchen, Game Room, Family Room, Breakfast Room, Office, Media Room, Bonus Room, Conservatory Room
  • Basement: Yes
  • Basement Type: Full, Rear Entrance, Daylight, Full, Fully Finished, Heated, Improved, Interior Access, Outside Entrance, Walkout Level, Windows
  • Total Sq Ft: 7665
  • Living Area Sq Ft: 7665
  • Price Per Sq Ft: 321.27
  • Above Grade Finished Sq Ft: 5058
  • Below Grade Finished Sq Ft: 2607
  • Total Below Grade Sq Ft: 2607
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 5
  • All Lower Level Bedrooms: 1
  • Total Bathrooms: 5
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 3
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 3.00
  • Lower Levels Bathrooms: 1.00
  • Lower Level Full Bathrooms: 1
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Shed
  • Construction Materials: Brick, Combination
  • View: Garden/Lawn, Scenic Vista, Trees/Woods
  • Water Access: No
  • Waterfront: No
  • Water Oriented: No
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage Spaces: 3.00
  • Garage: Yes
  • Garage Features: Garage Door Opener, Inside Access
  • Attached Garage Spaces: 3
  • Total Garage And Parking Spaces: 6
  • Type Of Parking: Attached Garage, Driveway
  • Number of Spaces in Driveway: 3

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Heat Pump(s), Central A/C, Zoned
  • Heating Fuel: Natural Gas
  • Heating Type: Forced Air, Zoned
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: On Site Septic
  • Water Source: Private, Well

Condo/Co-op/Association

  • HOA Fees: 75.00
  • HOA Fee Frequency: Monthly
  • Condo Co-Op Association: No
  • HOA Name: WATERFORD RIDGE HOMEOWNERS ASSOCIATION
  • HOA: Yes
  • Senior Community: No
  • Association Recreation Fee: No

Schools

  • Elementary School Source: Listing Agent
  • High School Source: Listing Agent
  • Middle School Source: Listing Agent
  • School District Source: Listing Agent
  • Elementary School: WATERFORD
  • High School: WOODGROVE
  • Middle Or Junior School: HARMONY

Lot Info

  • Lot Size Acres: 3.30
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 143748.00
  • Property Condition: Excellent
  • Zoning: AR1
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Pets: Cats Ok, Dogs Ok
  • Pets Allowed: Yes
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 11196.00
  • Assessor Parcel Number: 263209084000
  • Tax Lot: 99
  • County Tax Payment Frequency: Annually
  • Tax Year: 2026

MLS Schools

  • School District Name: LOUDOUN COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 26, 2026
Closed on
Apr 9, 2026
Sold by
Ferry Edward and Ferry Brenda W
Bought by
White Tanya and White Clay
Seller's Agent
Irene deLeon
Redfin Corporation
Buyer's Agent
Kristina Bianchetta
Pearson Smith Realty, LLC
List Price
$1,625,000
Sold Price
$1,600,000
Premium/Discount to List
-$25,000
-1.54%
Views
86

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.51%
Original Mortgage
$1,280,000
Outstanding Balance
$1,280,000
Interest Rate
5.98%
Mortgage Type
New Conventional
Estimated Equity
$331,669

Purchase Details

Closed on
Jul 9, 2010
Sold by
Toll Land Ix Limited Partnersh
Bought by
Ferry Edward J
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Deed $1,600,000 Old Republic National Title In
Warranty Deed $905,476 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $1,280,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/10/2026 04/10/26 Sold $1,600,000 -1.5% $209 / Sq Ft
03/10/2026 03/10/26 Pending -- -- --
02/26/2026 02/26/26 For Sale $1,625,000 -- $212 / Sq Ft
Source: Bright MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $11,196 $1,390,820 $353,300 $1,037,520
2024 $11,547 $1,334,860 $328,300 $1,006,560
2023 $10,818 $1,236,300 $293,300 $943,000
2022 $9,840 $1,105,610 $222,700 $882,910
2021 $9,333 $952,380 $182,700 $769,680
2020 $9,088 $878,030 $182,700 $695,330
2019 $8,835 $845,460 $182,700 $662,760
2018 $9,104 $839,050 $182,700 $656,350
2017 $9,292 $825,930 $182,700 $643,230
2016 $9,382 $819,410 $0 $0
2015 $9,629 $665,650 $0 $665,650
2014 $9,429 $640,780 $0 $640,780
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: VALO2115912

Bright MLS

APN: 263-20-9084

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