101 S Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 101 S Cottage Rd, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,097 sqft · built 1972
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,960 (2023)
Deeds & Mortgages	Feb 2017 Line of Credit Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-27-3511-000`

Property Details

APN / Parcel Number

Primary APN	`012-27-3511-000`
Alternative APN	`82/A/4/353`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,097 sqft Living Area
Gross Area	1,942 sqft
1st Floor Area	798 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Detached
Garage Area	480 sqft

Exterior Amenities

Porch	Porch
Porch Area	264 sqft
Deck Area	120 sqft
Patio Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	/82/A/4///353/
Street Address	101 S COTTAGE RD
City	STERLING
State	VA
Zip	20164-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH3
Legal Description	SUGARLAND RUN SEC.4 L.353 200803130014390 D/G 200309050116937
Legal Subdivision	SUGARLAND RUN
Legal Lot Number	353
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1000
Census Tract	611205

Owner

Source: Loudoun County records, as of September 27, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	101 S COTTAGE RD, STERLING, VA 20164-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2017	Deed of Trust, Mortgage · Line of Credit UNITED BK
Feb 8, 2017	Quit Claim Deed, Mortgage · Conventional with PMI UNITED BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2017
Deed Sale	Feb 8, 2017
Prior Sale	Aug 5, 1996 · Amount on Record
Deed Document Number	201702080008574
Deed Book / Page	01448 / 01392
Record Updated	Jun 7, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	101 S COTTAGE RD, STERLING, VA 20164-1304
Document Number	20170222011361
Instrument Date	Feb 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 S COTTAGE RD STERLING VA 201641304, STERLING, VA 20164-1304

Mortgage

Document Number	20170222011361
Date	Feb 22, 2017
Instrument	11361

Lender

Name	UNITED BK
Type	Bank
Address	STERLING, VA 20166

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 21, 2027

Interest

Rate Type	Adjustable Rate

February 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	LOUDOUN VA
Recording Date	Feb 8, 2017
Property Address	101 S COTTAGE RD, STERLING, VA 20164-1304
Document Number	20170208008574
Instrument Date	Feb 2, 2017
Instrument	8574
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 S COTTAGE RD STERLING VA 201641304, STERLING, VA 20164-1304

Mortgage

Document Number	20170208008575
Date	Feb 8, 2017
Instrument	8575

Lender

Name	UNITED BK
Type	Bank
Address	DUNBAR, WV 25064

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2047

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,960.00	$566,920 Land $204,100 Building $362,820	$566,920 Land $204,100 Building $362,820

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2003 · Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, And Mudslide

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOUDOUN WATER - CENTRAL SYSTEM serves 334,808 people · EPA ID VA6107350
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 531 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile.

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