159 N Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 159 N Cottage Rd, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,678 sqft · built 1973
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$241,050 (Jun 2012)
Tax Bill	$3,664 (2026)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012-37-7099-000`

Property Details

APN / Parcel Number

Primary APN	`012-37-7099-000`
Alternative APN	`82 A5A 71`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,678 sqft Living Area
1st Floor Area	836 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	159 N COTTAGE RD
City	STERLING
State	VA
Zip	20164-1380
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH3
Legal Description	SUGARLAND RUN SEC.5A LOT 71 200404050030906
Legal Subdivision	SUGARLAND RUN
Legal Block	2
Legal Lot Number	71
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611204

Owner

Source: Loudoun County records, as of September 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 29, 2023	Transfer on Death Deed, Transfer
May 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEXTMARK FEDERAL CREDIT UNION
Jan 16, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Sep 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2012 · Amount on Record
Deed Sale	Jun 22, 2012 · Amount on Record
Prior Sale	Apr 5, 2004 · Amount on Record
Deed Document Number	201247562
Last Transfer Date	Mar 29, 2023
Transfer Doc	0000011262
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004387
Date	Jan 28, 2026
Instrument	20260128-0004387

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

March 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 29, 2023
Property Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Document Number	0000011262
Instrument Date	Mar 29, 2023
Instrument	202303290011262
Transaction Type	Transfer
Record Updated	May 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 N COTTAGE RD, STERLING, VA 20164-1380

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202105170056838
Date	May 17, 2021
Instrument	202105170056838

Lender

Name	NEXTMARK FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2051

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Document Number	20200206008304
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 N COTTAGE RD STERLING VA 201641380, STERLING, VA 20164-1380

Mortgage

Document Number	20200206008304
Date	Feb 6, 2020
Instrument	8304

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Document Number	20180202006402
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180202006402
Date	Feb 2, 2018
Instrument	6402

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	159 N COTTAGE RD, STERLING, VA 20164-1380
Document Number	20171010063235
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20171010063235
Date	Oct 10, 2017
Instrument	63235

Lender

Name	DISCOVER BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 9, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,664.00 (+10.26%)	$455,230 (+19.85%) Land $143,500 Building $311,730	$455,230 (+19.85%) Land $143,500 Building $311,730
2023	$3,323.00	$379,820 Land $133,500 Building $246,320	$379,820 Land $133,500 Building $246,320

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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 639 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 / 2,000

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

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