12 Rutherford Cir, Sterling, VA 20165 Property Records

Loudoun County property record for 12 Rutherford Cir, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,376 sqft · built 1986
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Oct 2026)
Tax Bill	$6,114 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-17-2501-000`

Property Details

APN / Parcel Number

Primary APN	`017-17-2501-000`
Alternative APN	`64A4 3 101`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,376 sqft Living Area
1st Floor Area	996 sqft
Basement Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	12 RUTHERFORD CIR
City	STERLING
State	VA
Zip	20165-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH3
Legal Description	COUNTRYSIDE SEC.5C LOT 101 2321--1294 (MARR CERT RECVD 2/23/96) 2132--999, 1116--1218
Legal Subdivision	COUNTRYSIDE
Legal Block	3
Legal Lot Number	101
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	3
Census Block	3002
Census Tract	611102

Owner

12 Rutherford Cir is owned and occupied by two individuals who bought it in October 2026.

Source: Loudoun County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 RUTHERFORD CIR, STERLING, VA 20165-6218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 21, 2020	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2026 · Amount on File
Deed Sale	Oct 9, 2026 · Amount on File
Prior Sale	Oct 18, 2021 · Amount on File
Deed Document Number	202652590
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Oct 9, 2026
Property Address	12 RUTHERFORD CIR, STERLING, VA 20165-6218
Document Number	0000052590
Instrument Date	Sep 22, 2026
Instrument	202652590
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	TITLE GUARANTY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RUTHERFORD CIR, STERLING, VA 20165-6218

Mortgage

Document Number	0000052591,
Date	Oct 9, 2026
Instrument	202652591

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Oct 18, 2021
Property Address	12 RUTHERFORD CIR, STERLING, VA 20165-6218
Document Number	202110180106896
Instrument Date	Oct 14, 2021
Instrument	202110180106896
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RUTHERFORD CIR, STERLING, VA 20165-6218

Mortgage

Document Number	202110180106897
Date	Oct 18, 2021
Instrument	202110180106897

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	12 RUTHERFORD CIR, STERLING, VA 20165-6218
Document Number	20200616045666
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RUTHERFORD CIR STERLING VA 201656218, STERLING, VA 20165-6218

Mortgage

Document Number	20200616045666
Date	Jun 16, 2020
Instrument	45666

Lender

Name	TD BK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Rutherford Cir was $6,114.

Source: Loudoun County assessment roll, as of September 18, 2026

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
2026	$6,114.00	$759,600 Land $258,800 Building $500,800	$759,600 Land $258,800 Building $500,800
2023	$5,945.00	$679,540 Land $258,800 Building $420,740	$679,540 Land $258,800 Building $420,740

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

Flood

FEMA maps place 12 Rutherford Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force

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

Wildfire risk around 12 Rutherford Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 220 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: T-Mobile.

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