40923 Browns Lane Waterford, VA 20197

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.