Loudoun County property record for 181 N Cottage Rd, Sterling, VA 20164
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,320 sqft · built 1973 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $508,000 (May 2026) |
| Tax Bill | $3,686 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012-48-0436-000 |
| Primary APN | 012-48-0436-000 |
|---|---|
| Alternative APN |
|
| 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 | 1,320 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,049 sqft (0.07 acres) |
| Deck Area | Deck Area |
| Patio Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 181 N COTTAGE RD |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-1381 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH3 |
| Legal Description | SUGARLAND RUN SEC.5A LOT 82 1185--1186 |
| Legal Subdivision | SUGARLAND RUN |
| Legal Block | 3 |
| Legal Lot Number | 82 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 611204 |
181 N Cottage Rd, a townhouse, is owned and occupied by an individual who bought it in May 2026.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 13, 2026 | Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Jun 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NATIONAL ASSOCIATION |
| Dec 4, 2020 | Warranty Deed, Transfer · Conventional with PMI INTERCOASTAL MTG |
| Sep 15, 2020 | Warranty Deed, Transfer PRIVATE INDIVIDUAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on File |
| Deed Sale | May 13, 2026 · Amount on File |
| Prior Sale | Jun 16, 2023 · Amount on File |
| Deed Document Number | 202624664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | May 13, 2026 |
| Property Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Document Number | 0000024664 |
| Instrument Date | May 7, 2026 |
| Instrument | 2026.24664 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51,308.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Document Number | 0000024665, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 2026.24665 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jun 16, 2023 |
| Property Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Document Number | 0000023389 |
| Instrument Date | Jun 15, 2023 |
| Instrument | 202306160023389 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2023 |
| Title Company | HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Document Number | 0000023390 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 202306160023390 |
| Name | PNC BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 4, 2020 |
| Property Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Document Number | 20201204118971 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 118971 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 181 N COTTAGE RD STERLING VA 201641381, STERLING, VA 20164-1381 |
| Document Number | 20201204118972 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | 118972 |
| Name | INTERCOASTAL MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Sep 15, 2020 |
| Property Address | 181 N COTTAGE RD, STERLING, VA 20164-1381 |
| Document Number | 20200915082640 |
| Instrument Date | Sep 13, 2020 |
| Instrument | 82640 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $249.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 305 E MARKET ST #G LEESBURG VA 201764169, G, LEESBURG, VA 20176-4169 |
| Document Number | 20200915082641 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 82641 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Amount | Amount on Record |
|---|
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 181 N Cottage Rd was $3,686, up 5% from the year before.
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,686.00 (+5.04%) | $457,900 (+5.03%) Land $140,000 Building $317,900 | $457,900 (+5.03%) Land $140,000 Building $317,900 |
| 2025 | $3,509.00 | $435,960 Land $140,000 Building $295,960 | $435,960 Land $140,000 Building $295,960 |
| 2023 | $3,292.00 (-2.11%) | $376,300 (-0.44%) Land $130,000 Building $246,300 | $376,300 (-0.44%) Land $130,000 Building $246,300 |
| 2022 | $3,363.00 | $377,950 Land $120,000 Building $257,950 | $377,950 Land $120,000 Building $257,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 181 N Cottage Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 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 risk around 181 N Cottage Rd 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 625 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 |
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